{smcl}
{txt}{sf}{ul off}{.-}
      name:  {res}<unnamed>
       {txt}log:  {res}/Users/sebastiantonke/Desktop/Replication Package/Replication files experiment/output_logs/table A1.smcl
  {txt}log type:  {res}smcl
 {txt}opened on:  {res}11 Jul 2023, 22:26:33
{txt}
{com}. 
. 
. * Grubbs outlier test to determine outliers
. preserve
{txt}
{com}. keep if t==12 & itt!=.
{txt}(393,667 observations deleted)

{com}. keep customer itt maxpayment  
{txt}
{com}. grubbs maxpayment, level(99.9) gen(out) // 99.9% ->  4050 -> additional 142 obs dropped
{res}Variable: maxpayment (0/1 variable recording which observations are outliers: out).
113 outliers. No more outliers
{txt}
{com}. bys out: sum maxpayment 

{txt}{hline}
-> out = 0

    Variable {c |}        Obs        Mean    Std. Dev.       Min        Max
{hline 13}{c +}{hline 57}
{space 2}maxpayment {c |}{res}      9,734    731.2892    620.6326          0       4025

{txt}{hline}
-> out = 1

    Variable {c |}        Obs        Mean    Std. Dev.       Min        Max
{hline 13}{c +}{hline 57}
{space 2}maxpayment {c |}{res}        142    6798.666    3076.213       4050    18561.6

{txt}
{com}. restore
{txt}
{com}. 
. 
. *********************************
. **** Initial month (October) ****
. *********************************
. 
. local controls "itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*"
{txt}
{com}. 
. * Extensive Margin *
. probit paidcount `controls' if t==14 & maxpayment<4050 , rob

{txt}note: interviewerdummy16 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy18 omitted because of collinearity
note: schemedummynew54 omitted because of collinearity
{res}{txt}Iteration 0:{space 3}log pseudolikelihood = {res:-6652.0266}  
Iteration 1:{space 3}log pseudolikelihood = {res:-5877.5875}  
Iteration 2:{space 3}log pseudolikelihood = {res:-5875.9251}  
Iteration 3:{space 3}log pseudolikelihood = {res: -5875.925}  
{res}
{txt}Probit regression{col 49}Number of obs{col 67}= {res}     9,682
{txt}{col 49}Wald chi2({res}91{txt}){col 67}= {res}   1343.84
{txt}{col 49}Prob > chi2{col 67}= {res}    0.0000
{txt}Log pseudolikelihood = {res} -5875.925{txt}{col 49}Pseudo R2{col 67}= {res}    0.1167

{txt}{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          paidcount{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      z{col 53}   P>|z|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2}  .081362{col 33}{space 2} .0334151{col 44}{space 1}    2.43{col 53}{space 3}0.015{col 61}{space 4} .0158697{col 74}{space 3} .1468543
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .2169175{col 33}{space 2} .0337744{col 44}{space 1}    6.42{col 53}{space 3}0.000{col 61}{space 4}  .150721{col 74}{space 3}  .283114
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2}-.0001168{col 33}{space 2} .0000684{col 44}{space 1}   -1.71{col 53}{space 3}0.088{col 61}{space 4}-.0002509{col 74}{space 3} .0000174
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2} -.148035{col 33}{space 2} .0277211{col 44}{space 1}   -5.34{col 53}{space 3}0.000{col 61}{space 4}-.2023674{col 74}{space 3}-.0937026
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2}-.0007192{col 33}{space 2} .0003734{col 44}{space 1}   -1.93{col 53}{space 3}0.054{col 61}{space 4}-.0014511{col 74}{space 3} .0000127
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}-.0000225{col 33}{space 2} .0000137{col 44}{space 1}   -1.64{col 53}{space 3}0.101{col 61}{space 4}-.0000495{col 74}{space 3} 4.40e-06
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .1998457{col 33}{space 2} .0060628{col 44}{space 1}   32.96{col 53}{space 3}0.000{col 61}{space 4} .1879629{col 74}{space 3} .2117286
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.1195282{col 33}{space 2}  .069068{col 44}{space 1}   -1.73{col 53}{space 3}0.084{col 61}{space 4} -.254899{col 74}{space 3} .0158427
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.0034982{col 33}{space 2} .0695621{col 44}{space 1}   -0.05{col 53}{space 3}0.960{col 61}{space 4}-.1398375{col 74}{space 3}  .132841
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.1883639{col 33}{space 2} .0768363{col 44}{space 1}   -2.45{col 53}{space 3}0.014{col 61}{space 4}-.3389602{col 74}{space 3}-.0377675
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0511303{col 33}{space 2} .0714997{col 44}{space 1}   -0.72{col 53}{space 3}0.475{col 61}{space 4}-.1912671{col 74}{space 3} .0890065
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.1249172{col 33}{space 2} .0700332{col 44}{space 1}   -1.78{col 53}{space 3}0.074{col 61}{space 4}-.2621797{col 74}{space 3} .0123453
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2} .0421787{col 33}{space 2} .0758889{col 44}{space 1}    0.56{col 53}{space 3}0.578{col 61}{space 4}-.1065609{col 74}{space 3} .1909183
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.1072466{col 33}{space 2} .0777407{col 44}{space 1}   -1.38{col 53}{space 3}0.168{col 61}{space 4}-.2596156{col 74}{space 3} .0451223
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0069667{col 33}{space 2} .0712392{col 44}{space 1}   -0.10{col 53}{space 3}0.922{col 61}{space 4} -.146593{col 74}{space 3} .1326596
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0097531{col 33}{space 2} .0697601{col 44}{space 1}   -0.14{col 53}{space 3}0.889{col 61}{space 4}-.1464804{col 74}{space 3} .1269742
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0594813{col 33}{space 2} .0731519{col 44}{space 1}   -0.81{col 53}{space 3}0.416{col 61}{space 4}-.2028565{col 74}{space 3} .0838938
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2} .1686822{col 33}{space 2} .0955079{col 44}{space 1}    1.77{col 53}{space 3}0.077{col 61}{space 4}-.0185099{col 74}{space 3} .3558742
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0254877{col 33}{space 2} .0676822{col 44}{space 1}   -0.38{col 53}{space 3}0.706{col 61}{space 4}-.1581424{col 74}{space 3}  .107167
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.1355713{col 33}{space 2} .0780406{col 44}{space 1}   -1.74{col 53}{space 3}0.082{col 61}{space 4}-.2885281{col 74}{space 3} .0173855
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}  .026248{col 33}{space 2} .0708887{col 44}{space 1}    0.37{col 53}{space 3}0.711{col 61}{space 4}-.1126912{col 74}{space 3} .1651873
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.0332405{col 33}{space 2}  .086581{col 44}{space 1}   -0.38{col 53}{space 3}0.701{col 61}{space 4}-.2029361{col 74}{space 3} .1364551
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2} .0907299{col 33}{space 2} .5289777{col 44}{space 1}    0.17{col 53}{space 3}0.864{col 61}{space 4}-.9460473{col 74}{space 3} 1.127507
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.0890457{col 33}{space 2} .5642859{col 44}{space 1}   -0.16{col 53}{space 3}0.875{col 61}{space 4}-1.195026{col 74}{space 3} 1.016934
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} -.031627{col 33}{space 2} .0613927{col 44}{space 1}   -0.52{col 53}{space 3}0.606{col 61}{space 4}-.1519545{col 74}{space 3} .0887005
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .0309547{col 33}{space 2} .1246269{col 44}{space 1}    0.25{col 53}{space 3}0.804{col 61}{space 4}-.2133095{col 74}{space 3} .2752189
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2}-.0378196{col 33}{space 2} .1026115{col 44}{space 1}   -0.37{col 53}{space 3}0.712{col 61}{space 4}-.2389344{col 74}{space 3} .1632952
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2}-.2376659{col 33}{space 2} .0802021{col 44}{space 1}   -2.96{col 53}{space 3}0.003{col 61}{space 4}-.3948591{col 74}{space 3}-.0804727
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2}-.0554238{col 33}{space 2} .0763981{col 44}{space 1}   -0.73{col 53}{space 3}0.468{col 61}{space 4}-.2051612{col 74}{space 3} .0943137
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2}-.0341756{col 33}{space 2} .0721162{col 44}{space 1}   -0.47{col 53}{space 3}0.636{col 61}{space 4}-.1755209{col 74}{space 3} .1071696
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2}-.0635518{col 33}{space 2} .0670041{col 44}{space 1}   -0.95{col 53}{space 3}0.343{col 61}{space 4}-.1948773{col 74}{space 3} .0677738
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2}-.0405446{col 33}{space 2} .0609685{col 44}{space 1}   -0.67{col 53}{space 3}0.506{col 61}{space 4}-.1600408{col 74}{space 3} .0789515
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2}-.0970368{col 33}{space 2} .0629057{col 44}{space 1}   -1.54{col 53}{space 3}0.123{col 61}{space 4}-.2203296{col 74}{space 3}  .026256
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-.0123044{col 33}{space 2} .0646415{col 44}{space 1}   -0.19{col 53}{space 3}0.849{col 61}{space 4}-.1389994{col 74}{space 3} .1143905
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2}-.0530433{col 33}{space 2} .0666979{col 44}{space 1}   -0.80{col 53}{space 3}0.426{col 61}{space 4}-.1837689{col 74}{space 3} .0776822
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2}-.0325004{col 33}{space 2} .0605687{col 44}{space 1}   -0.54{col 53}{space 3}0.592{col 61}{space 4}-.1512128{col 74}{space 3} .0862121
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-.5374449{col 33}{space 2} .8074361{col 44}{space 1}   -0.67{col 53}{space 3}0.506{col 61}{space 4}-2.119991{col 74}{space 3} 1.045101
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .0187509{col 33}{space 2} .0608852{col 44}{space 1}    0.31{col 53}{space 3}0.758{col 61}{space 4} -.100582{col 74}{space 3} .1380838
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .1574242{col 33}{space 2} .2700543{col 44}{space 1}    0.58{col 53}{space 3}0.560{col 61}{space 4}-.3718725{col 74}{space 3} .6867209
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-.0254242{col 33}{space 2} .2510771{col 44}{space 1}   -0.10{col 53}{space 3}0.919{col 61}{space 4}-.5175263{col 74}{space 3} .4666779
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0563048{col 33}{space 2} .2276783{col 44}{space 1}   -0.25{col 53}{space 3}0.805{col 61}{space 4} -.502546{col 74}{space 3} .3899365
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-.0444351{col 33}{space 2} .2410797{col 44}{space 1}   -0.18{col 53}{space 3}0.854{col 61}{space 4}-.5169426{col 74}{space 3} .4280724
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .1259208{col 33}{space 2} .2468995{col 44}{space 1}    0.51{col 53}{space 3}0.610{col 61}{space 4}-.3579934{col 74}{space 3}  .609835
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2}-.1018008{col 33}{space 2} .2167865{col 44}{space 1}   -0.47{col 53}{space 3}0.639{col 61}{space 4}-.5266946{col 74}{space 3}  .323093
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.1932335{col 33}{space 2} .2408962{col 44}{space 1}   -0.80{col 53}{space 3}0.422{col 61}{space 4}-.6653814{col 74}{space 3} .2789143
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.1122495{col 33}{space 2} .2128199{col 44}{space 1}   -0.53{col 53}{space 3}0.598{col 61}{space 4}-.5293688{col 74}{space 3} .3048699
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .0734645{col 33}{space 2} .2696919{col 44}{space 1}    0.27{col 53}{space 3}0.785{col 61}{space 4}-.4551219{col 74}{space 3} .6020509
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.1318915{col 33}{space 2} .2165362{col 44}{space 1}   -0.61{col 53}{space 3}0.542{col 61}{space 4}-.5562946{col 74}{space 3} .2925115
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-.0273958{col 33}{space 2} .2150188{col 44}{space 1}   -0.13{col 53}{space 3}0.899{col 61}{space 4}-.4488249{col 74}{space 3} .3940333
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.2247852{col 33}{space 2} .2101474{col 44}{space 1}   -1.07{col 53}{space 3}0.285{col 61}{space 4}-.6366665{col 74}{space 3} .1870961
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} .1063604{col 33}{space 2} .2420478{col 44}{space 1}    0.44{col 53}{space 3}0.660{col 61}{space 4}-.3680446{col 74}{space 3} .5807654
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-.1777099{col 33}{space 2} .2453545{col 44}{space 1}   -0.72{col 53}{space 3}0.469{col 61}{space 4} -.658596{col 74}{space 3} .3031761
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.4055868{col 33}{space 2} .2333367{col 44}{space 1}   -1.74{col 53}{space 3}0.082{col 61}{space 4}-.8629184{col 74}{space 3} .0517448
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2}-.1879151{col 33}{space 2} .2195377{col 44}{space 1}   -0.86{col 53}{space 3}0.392{col 61}{space 4}-.6182011{col 74}{space 3}  .242371
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .0514569{col 33}{space 2}  .247412{col 44}{space 1}    0.21{col 53}{space 3}0.835{col 61}{space 4}-.4334617{col 74}{space 3} .5363756
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .0485766{col 33}{space 2} .2179664{col 44}{space 1}    0.22{col 53}{space 3}0.824{col 61}{space 4}-.3786296{col 74}{space 3} .4757829
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-.0208268{col 33}{space 2} .2163348{col 44}{space 1}   -0.10{col 53}{space 3}0.923{col 61}{space 4}-.4448352{col 74}{space 3} .4031816
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} -.190232{col 33}{space 2} .2481842{col 44}{space 1}   -0.77{col 53}{space 3}0.443{col 61}{space 4}-.6766642{col 74}{space 3} .2962001
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .0492656{col 33}{space 2} .2605483{col 44}{space 1}    0.19{col 53}{space 3}0.850{col 61}{space 4}-.4613997{col 74}{space 3} .5599309
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.1734262{col 33}{space 2} .2320393{col 44}{space 1}   -0.75{col 53}{space 3}0.455{col 61}{space 4}-.6282149{col 74}{space 3} .2813625
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-.1761637{col 33}{space 2} .2211299{col 44}{space 1}   -0.80{col 53}{space 3}0.426{col 61}{space 4}-.6095704{col 74}{space 3}  .257243
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} .1674314{col 33}{space 2}  .221862{col 44}{space 1}    0.75{col 53}{space 3}0.450{col 61}{space 4}-.2674101{col 74}{space 3} .6022728
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} -.209353{col 33}{space 2} .2194048{col 44}{space 1}   -0.95{col 53}{space 3}0.340{col 61}{space 4}-.6393785{col 74}{space 3} .2206725
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}-.0297943{col 33}{space 2} .2488207{col 44}{space 1}   -0.12{col 53}{space 3}0.905{col 61}{space 4}-.5174738{col 74}{space 3} .4578852
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .0266304{col 33}{space 2} .2253047{col 44}{space 1}    0.12{col 53}{space 3}0.906{col 61}{space 4}-.4149587{col 74}{space 3} .4682196
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .0122841{col 33}{space 2} .2375719{col 44}{space 1}    0.05{col 53}{space 3}0.959{col 61}{space 4}-.4533482{col 74}{space 3} .4779164
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .0058793{col 33}{space 2} .2587781{col 44}{space 1}    0.02{col 53}{space 3}0.982{col 61}{space 4}-.5013164{col 74}{space 3}  .513075
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-.0531743{col 33}{space 2} .2275136{col 44}{space 1}   -0.23{col 53}{space 3}0.815{col 61}{space 4}-.4990928{col 74}{space 3} .3927442
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} .1023126{col 33}{space 2} .3528129{col 44}{space 1}    0.29{col 53}{space 3}0.772{col 61}{space 4}-.5891881{col 74}{space 3} .7938132
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} .0229981{col 33}{space 2} .2298187{col 44}{space 1}    0.10{col 53}{space 3}0.920{col 61}{space 4}-.4274382{col 74}{space 3} .4734345
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .0808704{col 33}{space 2} .2260694{col 44}{space 1}    0.36{col 53}{space 3}0.721{col 61}{space 4}-.3622174{col 74}{space 3} .5239583
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2}-.1143441{col 33}{space 2} .2207734{col 44}{space 1}   -0.52{col 53}{space 3}0.605{col 61}{space 4}-.5470521{col 74}{space 3} .3183638
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.0724898{col 33}{space 2} .2156809{col 44}{space 1}   -0.34{col 53}{space 3}0.737{col 61}{space 4}-.4952165{col 74}{space 3}  .350237
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .0093082{col 33}{space 2} .2239365{col 44}{space 1}    0.04{col 53}{space 3}0.967{col 61}{space 4}-.4295994{col 74}{space 3} .4482157
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.1982473{col 33}{space 2} .2116404{col 44}{space 1}   -0.94{col 53}{space 3}0.349{col 61}{space 4}-.6130548{col 74}{space 3} .2165602
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2}-.0500899{col 33}{space 2} .2444727{col 44}{space 1}   -0.20{col 53}{space 3}0.838{col 61}{space 4}-.5292477{col 74}{space 3} .4290678
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}-.5787306{col 33}{space 2} .4175908{col 44}{space 1}   -1.39{col 53}{space 3}0.166{col 61}{space 4}-1.397194{col 74}{space 3} .2397323
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}   -.0276{col 33}{space 2} .2211353{col 44}{space 1}   -0.12{col 53}{space 3}0.901{col 61}{space 4}-.4610172{col 74}{space 3} .4058173
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}  .043181{col 33}{space 2} .2300799{col 44}{space 1}    0.19{col 53}{space 3}0.851{col 61}{space 4}-.4077673{col 74}{space 3} .4941293
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-.0336709{col 33}{space 2} .2299057{col 44}{space 1}   -0.15{col 53}{space 3}0.884{col 61}{space 4}-.4842778{col 74}{space 3}  .416936
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .0735374{col 33}{space 2} .2210334{col 44}{space 1}    0.33{col 53}{space 3}0.739{col 61}{space 4}  -.35968{col 74}{space 3} .5067549
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} .0558493{col 33}{space 2} .2344575{col 44}{space 1}    0.24{col 53}{space 3}0.812{col 61}{space 4} -.403679{col 74}{space 3} .5153777
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-.1060718{col 33}{space 2} .2371999{col 44}{space 1}   -0.45{col 53}{space 3}0.655{col 61}{space 4} -.570975{col 74}{space 3} .3588314
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .0807654{col 33}{space 2} .2151125{col 44}{space 1}    0.38{col 53}{space 3}0.707{col 61}{space 4}-.3408473{col 74}{space 3} .5023782
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2}  .124297{col 33}{space 2} .2326209{col 44}{space 1}    0.53{col 53}{space 3}0.593{col 61}{space 4}-.3316316{col 74}{space 3} .5802257
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .0356804{col 33}{space 2} .2835901{col 44}{space 1}    0.13{col 53}{space 3}0.900{col 61}{space 4} -.520146{col 74}{space 3} .5915068
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} .1446149{col 33}{space 2} .2351597{col 44}{space 1}    0.61{col 53}{space 3}0.539{col 61}{space 4}-.3162897{col 74}{space 3} .6055196
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .0122814{col 33}{space 2} .2501979{col 44}{space 1}    0.05{col 53}{space 3}0.961{col 61}{space 4}-.4780975{col 74}{space 3} .5026604
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}-.0118621{col 33}{space 2} .2282728{col 44}{space 1}   -0.05{col 53}{space 3}0.959{col 61}{space 4}-.4592686{col 74}{space 3} .4355444
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.1571025{col 33}{space 2} .2247226{col 44}{space 1}   -0.70{col 53}{space 3}0.484{col 61}{space 4}-.5975506{col 74}{space 3} .2833457
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .0143976{col 33}{space 2} .2199204{col 44}{space 1}    0.07{col 53}{space 3}0.948{col 61}{space 4}-.4166385{col 74}{space 3} .4454336
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2}-.3894459{col 33}{space 2} .2153862{col 44}{space 1}   -1.81{col 53}{space 3}0.071{col 61}{space 4} -.811595{col 74}{space 3} .0327032
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. margins, dydx(itt2 itt3) post
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}     9,682
{txt}Model VCE{col 14}: {res}Robust

{txt}{p2colset 1 14 16 2}{...}
{p2col:Expression}:{space 1}{res:Pr(paidcount), predict()}{p_end}
{p2colreset}{...}
{txt}{p2colset 1 14 16 2}{...}
{p2col:dy/dx w.r.t.}:{space 1}{res:itt2 itt3}{p_end}
{p2colreset}{...}

{res}{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}{col 26} Delta-method
{col 14}{c |}      dy/dx{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2} .0281617{col 26}{space 2} .0115544{col 37}{space 1}    2.44{col 46}{space 3}0.015{col 54}{space 4} .0055156{col 67}{space 3} .0508079
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2} .0750815{col 26}{space 2} .0116163{col 37}{space 1}    6.46{col 46}{space 3}0.000{col 54}{space 4}  .052314{col 67}{space 3} .0978489
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. 
. *Intensive Margin*
. reg lnpayment `controls' if t==14 & maxpayment<4050, rob
{txt}note: interviewerdummy11 omitted because of collinearity
note: datedummy2 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: schemedummynew39 omitted because of collinearity

Linear regression                               Number of obs     = {res}     5,375
                                                {txt}{help j_robustsingular:F(90, 5283) }      =  {res}        .
                                                {txt}Prob > F          = {res}         .
                                                {txt}R-squared         = {res}    0.2850
                                                {txt}Root MSE          =    {res} .88792

{txt}{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          lnpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0169701{col 33}{space 2} .0311607{col 44}{space 1}    0.54{col 53}{space 3}0.586{col 61}{space 4}-.0441179{col 74}{space 3}  .078058
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0305353{col 33}{space 2} .0312151{col 44}{space 1}    0.98{col 53}{space 3}0.328{col 61}{space 4}-.0306593{col 74}{space 3} .0917298
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0013692{col 33}{space 2} .0001386{col 44}{space 1}    9.88{col 53}{space 3}0.000{col 61}{space 4} .0010975{col 74}{space 3} .0016408
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.1453639{col 33}{space 2} .0332645{col 44}{space 1}   -4.37{col 53}{space 3}0.000{col 61}{space 4} -.210576{col 74}{space 3}-.0801518
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0053868{col 33}{space 2} .0003141{col 44}{space 1}   17.15{col 53}{space 3}0.000{col 61}{space 4} .0047711{col 74}{space 3} .0060025
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0002971{col 33}{space 2} .0000362{col 44}{space 1}    8.22{col 53}{space 3}0.000{col 61}{space 4} .0002263{col 74}{space 3}  .000368
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}-.0427173{col 33}{space 2}     .005{col 44}{space 1}   -8.54{col 53}{space 3}0.000{col 61}{space 4}-.0525193{col 74}{space 3}-.0329152
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.0000577{col 33}{space 2} .0829483{col 44}{space 1}   -0.00{col 53}{space 3}0.999{col 61}{space 4}-.1626705{col 74}{space 3} .1625552
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .0199993{col 33}{space 2} .0842728{col 44}{space 1}    0.24{col 53}{space 3}0.812{col 61}{space 4}-.1452103{col 74}{space 3} .1852088
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2} .0715661{col 33}{space 2} .0856533{col 44}{space 1}    0.84{col 53}{space 3}0.403{col 61}{space 4}-.0963498{col 74}{space 3}  .239482
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0139355{col 33}{space 2} .0837173{col 44}{space 1}   -0.17{col 53}{space 3}0.868{col 61}{space 4} -.178056{col 74}{space 3} .1501849
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} .0679562{col 33}{space 2} .0823783{col 44}{space 1}    0.82{col 53}{space 3}0.409{col 61}{space 4}-.0935393{col 74}{space 3} .2294517
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0740124{col 33}{space 2} .0891857{col 44}{space 1}   -0.83{col 53}{space 3}0.407{col 61}{space 4}-.2488533{col 74}{space 3} .1008284
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2} .0162602{col 33}{space 2}  .090613{col 44}{space 1}    0.18{col 53}{space 3}0.858{col 61}{space 4}-.1613787{col 74}{space 3}  .193899
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2} .0105665{col 33}{space 2} .0834927{col 44}{space 1}    0.13{col 53}{space 3}0.899{col 61}{space 4}-.1531137{col 74}{space 3} .1742467
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0262371{col 33}{space 2} .0854507{col 44}{space 1}   -0.31{col 53}{space 3}0.759{col 61}{space 4}-.1937558{col 74}{space 3} .1412817
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2} .0134369{col 33}{space 2} .0851576{col 44}{space 1}    0.16{col 53}{space 3}0.875{col 61}{space 4}-.1535072{col 74}{space 3} .1803811
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2} .0667088{col 33}{space 2} .0809399{col 44}{space 1}    0.82{col 53}{space 3}0.410{col 61}{space 4}-.0919669{col 74}{space 3} .2253845
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2} -.030939{col 33}{space 2} .0876012{col 44}{space 1}   -0.35{col 53}{space 3}0.724{col 61}{space 4}-.2026735{col 74}{space 3} .1407956
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2} .0637482{col 33}{space 2} .0830842{col 44}{space 1}    0.77{col 53}{space 3}0.443{col 61}{space 4}-.0991313{col 74}{space 3} .2266276
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.0024894{col 33}{space 2} .0955604{col 44}{space 1}   -0.03{col 53}{space 3}0.979{col 61}{space 4}-.1898274{col 74}{space 3} .1848485
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2} .0641325{col 33}{space 2} .0812058{col 44}{space 1}    0.79{col 53}{space 3}0.430{col 61}{space 4}-.0950644{col 74}{space 3} .2233295
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2} 1.606287{col 33}{space 2} 1.207998{col 44}{space 1}    1.33{col 53}{space 3}0.184{col 61}{space 4}-.7618879{col 74}{space 3} 3.974462
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy3 {c |}{col 21}{res}{space 2} .8684983{col 33}{space 2} 1.169486{col 44}{space 1}    0.74{col 53}{space 3}0.458{col 61}{space 4}-1.424178{col 74}{space 3} 3.161175
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .7696497{col 33}{space 2} 1.173572{col 44}{space 1}    0.66{col 53}{space 3}0.512{col 61}{space 4}-1.531037{col 74}{space 3} 3.070336
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .8441262{col 33}{space 2} 1.172334{col 44}{space 1}    0.72{col 53}{space 3}0.472{col 61}{space 4}-1.454133{col 74}{space 3} 3.142385
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .8549487{col 33}{space 2} 1.170432{col 44}{space 1}    0.73{col 53}{space 3}0.465{col 61}{space 4}-1.439581{col 74}{space 3} 3.149478
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .8024655{col 33}{space 2} 1.170267{col 44}{space 1}    0.69{col 53}{space 3}0.493{col 61}{space 4}-1.491741{col 74}{space 3} 3.096672
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} .7726002{col 33}{space 2} 1.170057{col 44}{space 1}    0.66{col 53}{space 3}0.509{col 61}{space 4}-1.521195{col 74}{space 3} 3.066395
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .7735215{col 33}{space 2}  1.16988{col 44}{space 1}    0.66{col 53}{space 3}0.509{col 61}{space 4}-1.519926{col 74}{space 3} 3.066969
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .8243494{col 33}{space 2} 1.169498{col 44}{space 1}    0.70{col 53}{space 3}0.481{col 61}{space 4}-1.468349{col 74}{space 3} 3.117048
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .9410633{col 33}{space 2} 1.169501{col 44}{space 1}    0.80{col 53}{space 3}0.421{col 61}{space 4}-1.351641{col 74}{space 3} 3.233768
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} .7904517{col 33}{space 2} 1.169367{col 44}{space 1}    0.68{col 53}{space 3}0.499{col 61}{space 4}-1.501991{col 74}{space 3} 3.082895
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .8355653{col 33}{space 2} 1.169537{col 44}{space 1}    0.71{col 53}{space 3}0.475{col 61}{space 4} -1.45721{col 74}{space 3} 3.128341
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} .8059999{col 33}{space 2} 1.169236{col 44}{space 1}    0.69{col 53}{space 3}0.491{col 61}{space 4}-1.486186{col 74}{space 3} 3.098186
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2} .4786542{col 33}{space 2} 1.170277{col 44}{space 1}    0.41{col 53}{space 3}0.683{col 61}{space 4}-1.815572{col 74}{space 3}  2.77288
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .7981125{col 33}{space 2} 1.169201{col 44}{space 1}    0.68{col 53}{space 3}0.495{col 61}{space 4}-1.494004{col 74}{space 3} 3.090229
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}  .836902{col 33}{space 2} 1.169484{col 44}{space 1}    0.72{col 53}{space 3}0.474{col 61}{space 4} -1.45577{col 74}{space 3} 3.129574
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .6715039{col 33}{space 2} .5639253{col 44}{space 1}    1.19{col 53}{space 3}0.234{col 61}{space 4}-.4340226{col 74}{space 3}  1.77703
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} .5783181{col 33}{space 2} .5616447{col 44}{space 1}    1.03{col 53}{space 3}0.303{col 61}{space 4}-.5227376{col 74}{space 3} 1.679374
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} .4079235{col 33}{space 2} .5522164{col 44}{space 1}    0.74{col 53}{space 3}0.460{col 61}{space 4}-.6746487{col 74}{space 3} 1.490496
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} .6458785{col 33}{space 2} .5586082{col 44}{space 1}    1.16{col 53}{space 3}0.248{col 61}{space 4}-.4492244{col 74}{space 3} 1.740981
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .4974042{col 33}{space 2} .5626391{col 44}{space 1}    0.88{col 53}{space 3}0.377{col 61}{space 4}-.6056009{col 74}{space 3} 1.600409
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .5309678{col 33}{space 2} .5523969{col 44}{space 1}    0.96{col 53}{space 3}0.336{col 61}{space 4}-.5519584{col 74}{space 3} 1.613894
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2} .3236125{col 33}{space 2} .5572095{col 44}{space 1}    0.58{col 53}{space 3}0.561{col 61}{space 4}-.7687484{col 74}{space 3} 1.415973
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2} .2091734{col 33}{space 2} .5502642{col 44}{space 1}    0.38{col 53}{space 3}0.704{col 61}{space 4}-.8695718{col 74}{space 3} 1.287919
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .4483828{col 33}{space 2}  .569268{col 44}{space 1}    0.79{col 53}{space 3}0.431{col 61}{space 4}-.6676176{col 74}{space 3} 1.564383
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2} .5091573{col 33}{space 2} .5491598{col 44}{space 1}    0.93{col 53}{space 3}0.354{col 61}{space 4}-.5674227{col 74}{space 3} 1.585737
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .5530483{col 33}{space 2} .5490413{col 44}{space 1}    1.01{col 53}{space 3}0.314{col 61}{space 4}-.5232995{col 74}{space 3} 1.629396
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} .4706478{col 33}{space 2} .5474355{col 44}{space 1}    0.86{col 53}{space 3}0.390{col 61}{space 4}-.6025519{col 74}{space 3} 1.543848
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} .9360657{col 33}{space 2} .5536111{col 44}{space 1}    1.69{col 53}{space 3}0.091{col 61}{space 4}-.1492409{col 74}{space 3} 2.021372
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} .5775752{col 33}{space 2} .5550998{col 44}{space 1}    1.04{col 53}{space 3}0.298{col 61}{space 4}-.5106497{col 74}{space 3}   1.6658
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2} .1640577{col 33}{space 2} .5707906{col 44}{space 1}    0.29{col 53}{space 3}0.774{col 61}{space 4}-.9549278{col 74}{space 3} 1.283043
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .7376038{col 33}{space 2} .5499949{col 44}{space 1}    1.34{col 53}{space 3}0.180{col 61}{space 4}-.3406134{col 74}{space 3} 1.815821
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .6543247{col 33}{space 2} .5538878{col 44}{space 1}    1.18{col 53}{space 3}0.238{col 61}{space 4}-.4315243{col 74}{space 3} 1.740174
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .2937837{col 33}{space 2} .5490602{col 44}{space 1}    0.54{col 53}{space 3}0.593{col 61}{space 4}-.7826012{col 74}{space 3} 1.370169
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2} .6538268{col 33}{space 2} .5493459{col 44}{space 1}    1.19{col 53}{space 3}0.234{col 61}{space 4}-.4231181{col 74}{space 3} 1.730772
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} .3694396{col 33}{space 2} .5562318{col 44}{space 1}    0.66{col 53}{space 3}0.507{col 61}{space 4}-.7210045{col 74}{space 3} 1.459884
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .8975154{col 33}{space 2} .5669046{col 44}{space 1}    1.58{col 53}{space 3}0.113{col 61}{space 4}-.2138518{col 74}{space 3} 2.008883
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2} .4176874{col 33}{space 2} .5531667{col 44}{space 1}    0.76{col 53}{space 3}0.450{col 61}{space 4}-.6667478{col 74}{space 3} 1.502123
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}  .294424{col 33}{space 2} .5506985{col 44}{space 1}    0.53{col 53}{space 3}0.593{col 61}{space 4}-.7851726{col 74}{space 3} 1.374021
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} .5732956{col 33}{space 2} .5499743{col 44}{space 1}    1.04{col 53}{space 3}0.297{col 61}{space 4}-.5048813{col 74}{space 3} 1.651472
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .5771424{col 33}{space 2} .5499591{col 44}{space 1}    1.05{col 53}{space 3}0.294{col 61}{space 4}-.5010047{col 74}{space 3}  1.65529
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} .7244231{col 33}{space 2} .5602164{col 44}{space 1}    1.29{col 53}{space 3}0.196{col 61}{space 4}-.3738325{col 74}{space 3} 1.822679
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .7603127{col 33}{space 2} .5521761{col 44}{space 1}    1.38{col 53}{space 3}0.169{col 61}{space 4}-.3221805{col 74}{space 3} 1.842806
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .3050055{col 33}{space 2} .5562359{col 44}{space 1}    0.55{col 53}{space 3}0.583{col 61}{space 4}-.7854467{col 74}{space 3} 1.395458
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .5782056{col 33}{space 2} .5714633{col 44}{space 1}    1.01{col 53}{space 3}0.312{col 61}{space 4}-.5420985{col 74}{space 3}  1.69851
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2} .3856911{col 33}{space 2} .5529199{col 44}{space 1}    0.70{col 53}{space 3}0.485{col 61}{space 4}-.6982602{col 74}{space 3} 1.469642
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}  .509395{col 33}{space 2} .5813085{col 44}{space 1}    0.88{col 53}{space 3}0.381{col 61}{space 4}-.6302098{col 74}{space 3}    1.649
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} .4170823{col 33}{space 2} .5586522{col 44}{space 1}    0.75{col 53}{space 3}0.455{col 61}{space 4}-.6781067{col 74}{space 3} 1.512271
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}  .535935{col 33}{space 2}  .550527{col 44}{space 1}    0.97{col 53}{space 3}0.330{col 61}{space 4}-.5433253{col 74}{space 3} 1.615195
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} .4200571{col 33}{space 2} .5514401{col 44}{space 1}    0.76{col 53}{space 3}0.446{col 61}{space 4}-.6609934{col 74}{space 3} 1.501108
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .5297888{col 33}{space 2} .5501318{col 44}{space 1}    0.96{col 53}{space 3}0.336{col 61}{space 4}-.5486968{col 74}{space 3} 1.608274
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .3926521{col 33}{space 2} .5522178{col 44}{space 1}    0.71{col 53}{space 3}0.477{col 61}{space 4} -.689923{col 74}{space 3} 1.475227
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}  .525866{col 33}{space 2} .5479753{col 44}{space 1}    0.96{col 53}{space 3}0.337{col 61}{space 4} -.548392{col 74}{space 3} 1.600124
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} .6801041{col 33}{space 2} .5549885{col 44}{space 1}    1.23{col 53}{space 3}0.220{col 61}{space 4}-.4079026{col 74}{space 3} 1.768111
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} .4448096{col 33}{space 2} .5513511{col 44}{space 1}    0.81{col 53}{space 3}0.420{col 61}{space 4}-.6360662{col 74}{space 3} 1.525685
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .7681406{col 33}{space 2} .5506706{col 44}{space 1}    1.39{col 53}{space 3}0.163{col 61}{space 4}-.3114013{col 74}{space 3} 1.847683
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .4694268{col 33}{space 2} .5531506{col 44}{space 1}    0.85{col 53}{space 3}0.396{col 61}{space 4}-.6149769{col 74}{space 3}  1.55383
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .6783361{col 33}{space 2} .5494781{col 44}{space 1}    1.23{col 53}{space 3}0.217{col 61}{space 4}-.3988681{col 74}{space 3}  1.75554
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}  .860758{col 33}{space 2} .5548096{col 44}{space 1}    1.55{col 53}{space 3}0.121{col 61}{space 4}-.2268979{col 74}{space 3} 1.948414
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .4736727{col 33}{space 2} .5601698{col 44}{space 1}    0.85{col 53}{space 3}0.398{col 61}{space 4}-.6244915{col 74}{space 3} 1.571837
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .8097863{col 33}{space 2} .5469488{col 44}{space 1}    1.48{col 53}{space 3}0.139{col 61}{space 4}-.2624592{col 74}{space 3} 1.882032
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .8838073{col 33}{space 2} .5598981{col 44}{space 1}    1.58{col 53}{space 3}0.115{col 61}{space 4}-.2138244{col 74}{space 3} 1.981439
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .7383007{col 33}{space 2} .5593007{col 44}{space 1}    1.32{col 53}{space 3}0.187{col 61}{space 4}-.3581598{col 74}{space 3} 1.834761
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} .6820555{col 33}{space 2} .5523552{col 44}{space 1}    1.23{col 53}{space 3}0.217{col 61}{space 4}-.4007888{col 74}{space 3}   1.7649
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .4644464{col 33}{space 2} .5627851{col 44}{space 1}    0.83{col 53}{space 3}0.409{col 61}{space 4}-.6388448{col 74}{space 3} 1.567738
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .8248615{col 33}{space 2}  .553424{col 44}{space 1}    1.49{col 53}{space 3}0.136{col 61}{space 4}-.2600781{col 74}{space 3} 1.909801
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} .3358869{col 33}{space 2} .5527753{col 44}{space 1}    0.61{col 53}{space 3}0.543{col 61}{space 4}-.7477811{col 74}{space 3} 1.419555
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .2170766{col 33}{space 2} .5511867{col 44}{space 1}    0.39{col 53}{space 3}0.694{col 61}{space 4}-.8634771{col 74}{space 3}  1.29763
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2} .8876413{col 33}{space 2} .5710395{col 44}{space 1}    1.55{col 53}{space 3}0.120{col 61}{space 4}-.2318319{col 74}{space 3} 2.007115
{txt}{space 14}_cons {c |}{col 21}{res}{space 2} 3.574722{col 33}{space 2} 1.295342{col 44}{space 1}    2.76{col 53}{space 3}0.006{col 61}{space 4} 1.035316{col 74}{space 3} 6.114129
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. 
. *TWO PM*
. preserve 
{txt}
{com}. keep if t==14 & maxpayment<4050 
{txt}(384,518 observations deleted)

{com}. capture program drop Ey_boot
{txt}
{com}. program define Ey_boot, eclass
{txt}  1{com}. twopm payment itt2 itt3 premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*, firstpart(probit) secondpart(regress, log) vce(cluster customer)
{txt}  2{com}. margins, dydx(itt2 itt3) predict(duan) nose post
{txt}  3{com}. end
{txt}
{com}. bootstrap _b, seed(3125) reps(1000): Ey_boot
{txt}(running Ey_boot on estimation sample)

Bootstrap replications ({res}1000{txt})
{hline 4}{c +}{hline 3} 1 {hline 3}{c +}{hline 3} 2 {hline 3}{c +}{hline 3} 3 {hline 3}{c +}{hline 3} 4 {hline 3}{c +}{hline 3} 5 
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..................................................  1000
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}     9,682
{txt}{col 49}Replications{col 67}= {res}     1,000

{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}   Observed{col 26}   Bootstrap{col 54}         Norm{col 67}al-based
{col 14}{c |}      Coef.{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2} 14.97544{col 26}{space 2} 7.651631{col 37}{space 1}    1.96{col 46}{space 3}0.050{col 54}{space 4}-.0214787{col 67}{space 3} 29.97236
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2} 37.04607{col 26}{space 2} 8.331249{col 37}{space 1}    4.45{col 46}{space 3}0.000{col 54}{space 4} 20.71712{col 67}{space 3} 53.37502
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. estimates store W 
{txt}
{com}. restore
{txt}
{com}. 
. ** IHS payment **
. reg asinhpayment `controls' if t==14 & maxpayment<4050 ,  vce(cluster customer)
{txt}note: interviewerdummy15 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy16 omitted because of collinearity
note: schemedummynew39 omitted because of collinearity

Linear regression                               Number of obs     = {res}     9,682
                                                {txt}F(91, 9681)       =  {res}    20.07
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1288
                                                {txt}Root MSE          =    {res}   2.82

{txt}{ralign 85:(Std. Err. adjusted for {res:9,682} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}       asinhpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .1795031{col 33}{space 2} .0713253{col 44}{space 1}    2.52{col 53}{space 3}0.012{col 61}{space 4} .0396906{col 74}{space 3} .3193157
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2}  .462644{col 33}{space 2} .0720494{col 44}{space 1}    6.42{col 53}{space 3}0.000{col 61}{space 4} .3214121{col 74}{space 3} .6038758
{txt}{space 4}premeaninvoicew {c |}{col 21}{res}{space 2}  .000244{col 33}{space 2} .0001529{col 44}{space 1}    1.60{col 53}{space 3}0.111{col 61}{space 4}-.0000557{col 74}{space 3} .0005436
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.3407109{col 33}{space 2}  .057807{col 44}{space 1}   -5.89{col 53}{space 3}0.000{col 61}{space 4}-.4540247{col 74}{space 3}-.2273971
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0019776{col 33}{space 2} .0008157{col 44}{space 1}    2.42{col 53}{space 3}0.015{col 61}{space 4} .0003787{col 74}{space 3} .0035765
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0000591{col 33}{space 2} .0000348{col 44}{space 1}    1.70{col 53}{space 3}0.089{col 61}{space 4}-9.06e-06{col 74}{space 3} .0001273
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .3764162{col 33}{space 2} .0103674{col 44}{space 1}   36.31{col 53}{space 3}0.000{col 61}{space 4} .3560939{col 74}{space 3} .3967386
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.1628024{col 33}{space 2} .1838151{col 44}{space 1}   -0.89{col 53}{space 3}0.376{col 61}{space 4}-.5231184{col 74}{space 3} .1975136
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .1042069{col 33}{space 2} .1837376{col 44}{space 1}    0.57{col 53}{space 3}0.571{col 61}{space 4}-.2559571{col 74}{space 3} .4643709
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.2521431{col 33}{space 2}  .197961{col 44}{space 1}   -1.27{col 53}{space 3}0.203{col 61}{space 4} -.640188{col 74}{space 3} .1359017
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0079972{col 33}{space 2} .1888774{col 44}{space 1}   -0.04{col 53}{space 3}0.966{col 61}{space 4}-.3782363{col 74}{space 3}  .362242
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.1373958{col 33}{space 2} .1859367{col 44}{space 1}   -0.74{col 53}{space 3}0.460{col 61}{space 4}-.5018707{col 74}{space 3}  .227079
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2} .1580319{col 33}{space 2} .1942199{col 44}{space 1}    0.81{col 53}{space 3}0.416{col 61}{space 4}-.2226797{col 74}{space 3} .5387436
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.0982484{col 33}{space 2} .1953079{col 44}{space 1}   -0.50{col 53}{space 3}0.615{col 61}{space 4}-.4810927{col 74}{space 3} .2845959
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}  .082443{col 33}{space 2} .1867534{col 44}{space 1}    0.44{col 53}{space 3}0.659{col 61}{space 4}-.2836327{col 74}{space 3} .4485188
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2} .0417966{col 33}{space 2} .1841952{col 44}{space 1}    0.23{col 53}{space 3}0.820{col 61}{space 4}-.3192645{col 74}{space 3} .4028577
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0226939{col 33}{space 2} .1898379{col 44}{space 1}   -0.12{col 53}{space 3}0.905{col 61}{space 4}-.3948159{col 74}{space 3} .3494281
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2} .4110483{col 33}{space 2}  .219817{col 44}{space 1}    1.87{col 53}{space 3}0.062{col 61}{space 4}-.0198389{col 74}{space 3} .8419356
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2} .0597533{col 33}{space 2} .1825747{col 44}{space 1}    0.33{col 53}{space 3}0.743{col 61}{space 4}-.2981313{col 74}{space 3} .4176379
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.2113178{col 33}{space 2} .1961776{col 44}{space 1}   -1.08{col 53}{space 3}0.281{col 61}{space 4}-.5958668{col 74}{space 3} .1732313
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2} .1949663{col 33}{space 2} .1875666{col 44}{space 1}    1.04{col 53}{space 3}0.299{col 61}{space 4}-.1727034{col 74}{space 3}  .562636
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2} .1372222{col 33}{space 2} .1845651{col 44}{space 1}    0.74{col 53}{space 3}0.457{col 61}{space 4} -.224564{col 74}{space 3} .4990083
{txt}{space 9}datedummy1 {c |}{col 21}{res}{space 2} 1.978609{col 33}{space 2} 2.154672{col 44}{space 1}    0.92{col 53}{space 3}0.358{col 61}{space 4}-2.244998{col 74}{space 3} 6.202216
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2} .7265142{col 33}{space 2} 1.949619{col 44}{space 1}    0.37{col 53}{space 3}0.709{col 61}{space 4}-3.095147{col 74}{space 3} 4.548175
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} 1.148672{col 33}{space 2} 1.691074{col 44}{space 1}    0.68{col 53}{space 3}0.497{col 61}{space 4}-2.166187{col 74}{space 3}  4.46353
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2}  1.24193{col 33}{space 2}  1.70642{col 44}{space 1}    0.73{col 53}{space 3}0.467{col 61}{space 4} -2.10301{col 74}{space 3}  4.58687
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} 1.105375{col 33}{space 2} 1.699574{col 44}{space 1}    0.65{col 53}{space 3}0.515{col 61}{space 4}-2.226146{col 74}{space 3} 4.436896
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .7089279{col 33}{space 2} 1.694443{col 44}{space 1}    0.42{col 53}{space 3}0.676{col 61}{space 4}-2.612535{col 74}{space 3} 4.030391
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} 1.059174{col 33}{space 2} 1.693281{col 44}{space 1}    0.63{col 53}{space 3}0.532{col 61}{space 4} -2.26001{col 74}{space 3} 4.378358
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} 1.057845{col 33}{space 2} 1.692021{col 44}{space 1}    0.63{col 53}{space 3}0.532{col 61}{space 4} -2.25887{col 74}{space 3} 4.374561
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} 1.034934{col 33}{space 2} 1.691195{col 44}{space 1}    0.61{col 53}{space 3}0.541{col 61}{space 4}-2.280162{col 74}{space 3}  4.35003
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} 1.091188{col 33}{space 2} 1.690661{col 44}{space 1}    0.65{col 53}{space 3}0.519{col 61}{space 4}-2.222862{col 74}{space 3} 4.405237
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} 1.044938{col 33}{space 2} 1.690912{col 44}{space 1}    0.62{col 53}{space 3}0.537{col 61}{space 4}-2.269602{col 74}{space 3} 4.359479
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} 1.125479{col 33}{space 2} 1.691066{col 44}{space 1}    0.67{col 53}{space 3}0.506{col 61}{space 4}-2.189364{col 74}{space 3} 4.440322
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} 1.088503{col 33}{space 2} 1.691497{col 44}{space 1}    0.64{col 53}{space 3}0.520{col 61}{space 4}-2.227184{col 74}{space 3}  4.40419
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} 1.121132{col 33}{space 2} 1.690545{col 44}{space 1}    0.66{col 53}{space 3}0.507{col 61}{space 4}-2.192689{col 74}{space 3} 4.434953
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy17 {c |}{col 21}{res}{space 2} 1.200477{col 33}{space 2} 1.690789{col 44}{space 1}    0.71{col 53}{space 3}0.478{col 61}{space 4}-2.113824{col 74}{space 3} 4.514777
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2} 1.180958{col 33}{space 2} 1.690442{col 44}{space 1}    0.70{col 53}{space 3}0.485{col 61}{space 4}-2.132662{col 74}{space 3} 4.494578
{txt}{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} 1.440474{col 33}{space 2} .7650278{col 44}{space 1}    1.88{col 53}{space 3}0.060{col 61}{space 4}-.0591404{col 74}{space 3} 2.940089
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} 1.030681{col 33}{space 2} .7527411{col 44}{space 1}    1.37{col 53}{space 3}0.171{col 61}{space 4}-.4448492{col 74}{space 3} 2.506211
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2} .9158179{col 33}{space 2} .7050487{col 44}{space 1}    1.30{col 53}{space 3}0.194{col 61}{space 4}-.4662249{col 74}{space 3} 2.297861
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} 1.091375{col 33}{space 2} .7336233{col 44}{space 1}    1.49{col 53}{space 3}0.137{col 61}{space 4}-.3466797{col 74}{space 3}  2.52943
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} 1.356856{col 33}{space 2}  .741411{col 44}{space 1}    1.83{col 53}{space 3}0.067{col 61}{space 4}-.0964641{col 74}{space 3} 2.810177
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .8832006{col 33}{space 2} .6960482{col 44}{space 1}    1.27{col 53}{space 3}0.205{col 61}{space 4}-.4811993{col 74}{space 3} 2.247601
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2} .5989812{col 33}{space 2} .7291075{col 44}{space 1}    0.82{col 53}{space 3}0.411{col 61}{space 4}-.8302219{col 74}{space 3} 2.028184
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2} .6825621{col 33}{space 2} .6873509{col 44}{space 1}    0.99{col 53}{space 3}0.321{col 61}{space 4}-.6647894{col 74}{space 3} 2.029914
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} 1.149495{col 33}{space 2}  .765317{col 44}{space 1}    1.50{col 53}{space 3}0.133{col 61}{space 4}-.3506868{col 74}{space 3} 2.649676
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2} .8172021{col 33}{space 2}   .69393{col 44}{space 1}    1.18{col 53}{space 3}0.239{col 61}{space 4}-.5430458{col 74}{space 3}  2.17745
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} 1.030577{col 33}{space 2} .6894648{col 44}{space 1}    1.49{col 53}{space 3}0.135{col 61}{space 4}-.3209182{col 74}{space 3} 2.382072
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} .6409842{col 33}{space 2} .6847802{col 44}{space 1}    0.94{col 53}{space 3}0.349{col 61}{space 4} -.701328{col 74}{space 3} 1.983296
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} 1.537885{col 33}{space 2} .7308156{col 44}{space 1}    2.10{col 53}{space 3}0.035{col 61}{space 4} .1053337{col 74}{space 3} 2.970436
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} .7365487{col 33}{space 2} .7337578{col 44}{space 1}    1.00{col 53}{space 3}0.315{col 61}{space 4}-.7017699{col 74}{space 3} 2.174867
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2} .1136589{col 33}{space 2} .7133628{col 44}{space 1}    0.16{col 53}{space 3}0.873{col 61}{space 4}-1.284681{col 74}{space 3} 1.511999
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .8565549{col 33}{space 2} .7005402{col 44}{space 1}    1.22{col 53}{space 3}0.221{col 61}{space 4}-.5166503{col 74}{space 3}  2.22976
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} 1.245739{col 33}{space 2}  .748488{col 44}{space 1}    1.66{col 53}{space 3}0.096{col 61}{space 4}-.2214541{col 74}{space 3} 2.712932
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} 1.040161{col 33}{space 2} .6938334{col 44}{space 1}    1.50{col 53}{space 3}0.134{col 61}{space 4}-.3198974{col 74}{space 3}  2.40022
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2} 1.147982{col 33}{space 2}  .694435{col 44}{space 1}    1.65{col 53}{space 3}0.098{col 61}{space 4}-.2132561{col 74}{space 3} 2.509219
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} .6118522{col 33}{space 2} .7378849{col 44}{space 1}    0.83{col 53}{space 3}0.407{col 61}{space 4}-.8345565{col 74}{space 3} 2.058261
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} 1.433293{col 33}{space 2} .7709419{col 44}{space 1}    1.86{col 53}{space 3}0.063{col 61}{space 4}-.0779141{col 74}{space 3}   2.9445
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2} .6651113{col 33}{space 2} .7175562{col 44}{space 1}    0.93{col 53}{space 3}0.354{col 61}{space 4}-.7414488{col 74}{space 3} 2.071671
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} .6335321{col 33}{space 2} .6988487{col 44}{space 1}    0.91{col 53}{space 3}0.365{col 61}{space 4}-.7363574{col 74}{space 3} 2.003422
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} 1.462387{col 33}{space 2} .7024999{col 44}{space 1}    2.08{col 53}{space 3}0.037{col 61}{space 4} .0853409{col 74}{space 3} 2.839434
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .6817842{col 33}{space 2} .7001112{col 44}{space 1}    0.97{col 53}{space 3}0.330{col 61}{space 4}-.6905802{col 74}{space 3} 2.054149
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} 1.110427{col 33}{space 2} .7425066{col 44}{space 1}    1.50{col 53}{space 3}0.135{col 61}{space 4}-.3450416{col 74}{space 3} 2.565895
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} 1.271976{col 33}{space 2} .7058274{col 44}{space 1}    1.80{col 53}{space 3}0.072{col 61}{space 4}-.1115936{col 74}{space 3} 2.655545
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .9989874{col 33}{space 2} .7219473{col 44}{space 1}    1.38{col 53}{space 3}0.166{col 61}{space 4}-.4161802{col 74}{space 3} 2.414155
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} 1.064829{col 33}{space 2} .7635783{col 44}{space 1}    1.39{col 53}{space 3}0.163{col 61}{space 4}-.4319437{col 74}{space 3} 2.561602
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}  .924768{col 33}{space 2} .7113105{col 44}{space 1}    1.30{col 53}{space 3}0.194{col 61}{space 4}-.4695493{col 74}{space 3} 2.319085
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} 1.398926{col 33}{space 2} .8862775{col 44}{space 1}    1.58{col 53}{space 3}0.114{col 61}{space 4}-.3383636{col 74}{space 3} 3.136215
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} 1.103621{col 33}{space 2} .7129878{col 44}{space 1}    1.55{col 53}{space 3}0.122{col 61}{space 4}-.2939843{col 74}{space 3} 2.501226
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}  1.33503{col 33}{space 2} .7064579{col 44}{space 1}    1.89{col 53}{space 3}0.059{col 61}{space 4}-.0497751{col 74}{space 3} 2.719835
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} .7457369{col 33}{space 2} .6988366{col 44}{space 1}    1.07{col 53}{space 3}0.286{col 61}{space 4} -.624129{col 74}{space 3} 2.115603
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .9701423{col 33}{space 2}  .692993{col 44}{space 1}    1.40{col 53}{space 3}0.162{col 61}{space 4} -.388269{col 74}{space 3} 2.328554
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} 1.101732{col 33}{space 2} .7053547{col 44}{space 1}    1.56{col 53}{space 3}0.118{col 61}{space 4}-.2809106{col 74}{space 3} 2.484375
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2} .6863117{col 33}{space 2} .6874872{col 44}{space 1}    1.00{col 53}{space 3}0.318{col 61}{space 4} -.661307{col 74}{space 3}  2.03393
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2} 1.092745{col 33}{space 2} .7413358{col 44}{space 1}    1.47{col 53}{space 3}0.141{col 61}{space 4}-.3604284{col 74}{space 3} 2.545918
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} .9810631{col 33}{space 2} .7007463{col 44}{space 1}    1.40{col 53}{space 3}0.162{col 61}{space 4}-.3925461{col 74}{space 3} 2.354672
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} 1.304163{col 33}{space 2} .7159991{col 44}{space 1}    1.82{col 53}{space 3}0.069{col 61}{space 4}-.0993448{col 74}{space 3} 2.707671
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .9680071{col 33}{space 2} .7092017{col 44}{space 1}    1.36{col 53}{space 3}0.172{col 61}{space 4}-.4221765{col 74}{space 3} 2.358191
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} 1.345822{col 33}{space 2} .7009901{col 44}{space 1}    1.92{col 53}{space 3}0.055{col 61}{space 4}-.0282648{col 74}{space 3}  2.71991
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2} 1.522204{col 33}{space 2} .7277967{col 44}{space 1}    2.09{col 53}{space 3}0.037{col 61}{space 4} .0955706{col 74}{space 3} 2.948838
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .8667402{col 33}{space 2} .7260612{col 44}{space 1}    1.19{col 53}{space 3}0.233{col 61}{space 4}-.5564915{col 74}{space 3} 2.289972
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} 1.471757{col 33}{space 2} .6936703{col 44}{space 1}    2.12{col 53}{space 3}0.034{col 61}{space 4} .1120184{col 74}{space 3} 2.831496
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2}  1.67336{col 33}{space 2} .7233583{col 44}{space 1}    2.31{col 53}{space 3}0.021{col 61}{space 4}  .255427{col 74}{space 3} 3.091294
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2}  1.34651{col 33}{space 2} .8077652{col 44}{space 1}    1.67{col 53}{space 3}0.096{col 61}{space 4}-.2368784{col 74}{space 3} 2.929899
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} 1.542754{col 33}{space 2} .7179801{col 44}{space 1}    2.15{col 53}{space 3}0.032{col 61}{space 4} .1353632{col 74}{space 3} 2.950145
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} 1.166493{col 33}{space 2} .7456271{col 44}{space 1}    1.56{col 53}{space 3}0.118{col 61}{space 4}-.2950919{col 74}{space 3} 2.628078
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} 1.281692{col 33}{space 2} .7132401{col 44}{space 1}    1.80{col 53}{space 3}0.072{col 61}{space 4}-.1164073{col 74}{space 3} 2.679792
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} .6617112{col 33}{space 2} .7034322{col 44}{space 1}    0.94{col 53}{space 3}0.347{col 61}{space 4} -.717163{col 74}{space 3} 2.040585
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .9037282{col 33}{space 2} .6949923{col 44}{space 1}    1.30{col 53}{space 3}0.194{col 61}{space 4}-.4586021{col 74}{space 3} 2.266058
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2} 1.312087{col 33}{space 2} .8097789{col 44}{space 1}    1.62{col 53}{space 3}0.105{col 61}{space 4}-.2752486{col 74}{space 3} 2.899423
{txt}{space 14}_cons {c |}{col 21}{res}{space 2}-.3957795{col 33}{space 2} 1.826876{col 44}{space 1}   -0.22{col 53}{space 3}0.828{col 61}{space 4}-3.976839{col 74}{space 3} 3.185279
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. sum  paidcount lnpayment payment asinhpayment if t==14 & itt==0 & maxpayment< 4350.33 // comparison values

{txt}    Variable {c |}        Obs        Mean    Std. Dev.       Min        Max
{hline 13}{c +}{hline 57}
{space 3}paidcount {c |}{res}      3,238    .5206918    .4996488          0          1
{txt}{space 3}lnpayment {c |}{res}      1,686    5.141405    1.063124  -1.203973   8.242229
{txt}{space 5}payment {c |}{res}      3,238    154.6595     318.223          0       3798
{txt}asinhpayment {c |}{res}      3,238     3.03829    3.014195          0   8.935377
{txt}
{com}. 
. 
. *************************************
. **** Medium term (November-June) ****
. *************************************
. 
. local controls "itt2 itt3 i.t premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*"
{txt}
{com}. 
. *midterm *
. probit paidcount `controls' if t>=15 & t<=22 & maxpayment<4050, vce(cluster customer)

{txt}note: interviewerdummy16 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy18 omitted because of collinearity
note: schemedummynew54 omitted because of collinearity
{res}{txt}Iteration 0:{space 3}log pseudolikelihood = {res:-51824.079}  
Iteration 1:{space 3}log pseudolikelihood = {res:-47209.501}  
Iteration 2:{space 3}log pseudolikelihood = {res:-47202.154}  
Iteration 3:{space 3}log pseudolikelihood = {res:-47202.154}  
{res}
{txt}Probit regression{col 49}Number of obs{col 67}= {res}    76,939
{txt}{col 49}Wald chi2({res}98{txt}){col 67}= {res}   5733.12
{txt}{col 49}Prob > chi2{col 67}= {res}    0.0000
{txt}Log pseudolikelihood = {res}-47202.154{txt}{col 49}Pseudo R2{col 67}= {res}    0.0892

{txt}{ralign 85:(Std. Err. adjusted for {res:9,666} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          paidcount{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      z{col 53}   P>|z|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0414649{col 33}{space 2} .0147865{col 44}{space 1}    2.80{col 53}{space 3}0.005{col 61}{space 4} .0124839{col 74}{space 3}  .070446
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0317977{col 33}{space 2} .0149248{col 44}{space 1}    2.13{col 53}{space 3}0.033{col 61}{space 4} .0025457{col 74}{space 3} .0610497
{txt}{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2}-.1672597{col 33}{space 2} .0193262{col 44}{space 1}   -8.65{col 53}{space 3}0.000{col 61}{space 4}-.2051383{col 74}{space 3}-.1293811
{txt}{space 16}17  {c |}{col 21}{res}{space 2}-.1796663{col 33}{space 2} .0176162{col 44}{space 1}  -10.20{col 53}{space 3}0.000{col 61}{space 4}-.2141934{col 74}{space 3}-.1451392
{txt}{space 16}18  {c |}{col 21}{res}{space 2}-.0667842{col 33}{space 2} .0174785{col 44}{space 1}   -3.82{col 53}{space 3}0.000{col 61}{space 4}-.1010414{col 74}{space 3} -.032527
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-.3461243{col 33}{space 2} .0180771{col 44}{space 1}  -19.15{col 53}{space 3}0.000{col 61}{space 4}-.3815549{col 74}{space 3}-.3106938
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-.3525416{col 33}{space 2} .0182991{col 44}{space 1}  -19.27{col 53}{space 3}0.000{col 61}{space 4}-.3884073{col 74}{space 3} -.316676
{txt}{space 16}21  {c |}{col 21}{res}{space 2}-.1895322{col 33}{space 2} .0177649{col 44}{space 1}  -10.67{col 53}{space 3}0.000{col 61}{space 4}-.2243508{col 74}{space 3}-.1547136
{txt}{space 16}22  {c |}{col 21}{res}{space 2} .0029709{col 33}{space 2} .0177385{col 44}{space 1}    0.17{col 53}{space 3}0.867{col 61}{space 4}-.0317959{col 74}{space 3} .0377376
{txt}{space 19} {c |}
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0003019{col 33}{space 2} .0000368{col 44}{space 1}    8.22{col 53}{space 3}0.000{col 61}{space 4} .0002299{col 74}{space 3}  .000374
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.1149258{col 33}{space 2} .0147641{col 44}{space 1}   -7.78{col 53}{space 3}0.000{col 61}{space 4} -.143863{col 74}{space 3}-.0859886
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2}-.0005987{col 33}{space 2} .0001687{col 44}{space 1}   -3.55{col 53}{space 3}0.000{col 61}{space 4}-.0009293{col 74}{space 3}-.0002681
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}-.0000735{col 33}{space 2} 8.40e-06{col 44}{space 1}   -8.75{col 53}{space 3}0.000{col 61}{space 4}  -.00009{col 74}{space 3}-.0000571
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}  .161691{col 33}{space 2} .0025069{col 44}{space 1}   64.50{col 53}{space 3}0.000{col 61}{space 4} .1567775{col 74}{space 3} .1666045
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.0525718{col 33}{space 2}  .029924{col 44}{space 1}   -1.76{col 53}{space 3}0.079{col 61}{space 4}-.1112218{col 74}{space 3} .0060782
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.0051866{col 33}{space 2}  .030328{col 44}{space 1}   -0.17{col 53}{space 3}0.864{col 61}{space 4}-.0646284{col 74}{space 3} .0542552
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.0709005{col 33}{space 2} .0335349{col 44}{space 1}   -2.11{col 53}{space 3}0.034{col 61}{space 4}-.1366277{col 74}{space 3}-.0051733
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0207367{col 33}{space 2} .0311883{col 44}{space 1}   -0.66{col 53}{space 3}0.506{col 61}{space 4}-.0818646{col 74}{space 3} .0403912
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} .0005683{col 33}{space 2}  .030585{col 44}{space 1}    0.02{col 53}{space 3}0.985{col 61}{space 4}-.0593772{col 74}{space 3} .0605138
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2} -.007321{col 33}{space 2} .0335536{col 44}{space 1}   -0.22{col 53}{space 3}0.827{col 61}{space 4}-.0730849{col 74}{space 3} .0584429
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2} -.059046{col 33}{space 2} .0353401{col 44}{space 1}   -1.67{col 53}{space 3}0.095{col 61}{space 4}-.1283114{col 74}{space 3} .0102194
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0287991{col 33}{space 2} .0320315{col 44}{space 1}   -0.90{col 53}{space 3}0.369{col 61}{space 4}-.0915797{col 74}{space 3} .0339815
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}  .004688{col 33}{space 2}  .031509{col 44}{space 1}    0.15{col 53}{space 3}0.882{col 61}{space 4}-.0570686{col 74}{space 3} .0664446
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0466885{col 33}{space 2} .0325073{col 44}{space 1}   -1.44{col 53}{space 3}0.151{col 61}{space 4}-.1104017{col 74}{space 3} .0170247
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.0429188{col 33}{space 2} .0403928{col 44}{space 1}   -1.06{col 53}{space 3}0.288{col 61}{space 4}-.1220871{col 74}{space 3} .0362496
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0219393{col 33}{space 2} .0296889{col 44}{space 1}   -0.74{col 53}{space 3}0.460{col 61}{space 4}-.0801285{col 74}{space 3}   .03625
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.0458937{col 33}{space 2} .0335965{col 44}{space 1}   -1.37{col 53}{space 3}0.172{col 61}{space 4}-.1117417{col 74}{space 3} .0199542
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.0291132{col 33}{space 2}  .032311{col 44}{space 1}   -0.90{col 53}{space 3}0.368{col 61}{space 4}-.0924415{col 74}{space 3} .0342151
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.0455394{col 33}{space 2} .0395798{col 44}{space 1}   -1.15{col 53}{space 3}0.250{col 61}{space 4}-.1231144{col 74}{space 3} .0320356
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2}-.1816066{col 33}{space 2} .1263519{col 44}{space 1}   -1.44{col 53}{space 3}0.151{col 61}{space 4}-.4292517{col 74}{space 3} .0660385
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.1573812{col 33}{space 2} .2410429{col 44}{space 1}   -0.65{col 53}{space 3}0.514{col 61}{space 4}-.6298166{col 74}{space 3} .3150543
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .0644824{col 33}{space 2} .0275396{col 44}{space 1}    2.34{col 53}{space 3}0.019{col 61}{space 4} .0105059{col 74}{space 3}  .118459
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .1343023{col 33}{space 2} .0562667{col 44}{space 1}    2.39{col 53}{space 3}0.017{col 61}{space 4} .0240215{col 74}{space 3} .2445831
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .0416592{col 33}{space 2} .0456106{col 44}{space 1}    0.91{col 53}{space 3}0.361{col 61}{space 4}-.0477359{col 74}{space 3} .1310543
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .0500602{col 33}{space 2} .0350844{col 44}{space 1}    1.43{col 53}{space 3}0.154{col 61}{space 4}-.0187039{col 74}{space 3} .1188243
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .0147371{col 33}{space 2} .0336371{col 44}{space 1}    0.44{col 53}{space 3}0.661{col 61}{space 4}-.0511905{col 74}{space 3} .0806647
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} .0486486{col 33}{space 2} .0308862{col 44}{space 1}    1.58{col 53}{space 3}0.115{col 61}{space 4}-.0118872{col 74}{space 3} .1091844
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .0548761{col 33}{space 2} .0296649{col 44}{space 1}    1.85{col 53}{space 3}0.064{col 61}{space 4}-.0032662{col 74}{space 3} .1130183
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .0432993{col 33}{space 2}  .027638{col 44}{space 1}    1.57{col 53}{space 3}0.117{col 61}{space 4}-.0108702{col 74}{space 3} .0974688
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .0288749{col 33}{space 2} .0280519{col 44}{space 1}    1.03{col 53}{space 3}0.303{col 61}{space 4}-.0261059{col 74}{space 3} .0838557
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2} .0291666{col 33}{space 2} .0291338{col 44}{space 1}    1.00{col 53}{space 3}0.317{col 61}{space 4}-.0279347{col 74}{space 3} .0862679
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2}-.0004919{col 33}{space 2} .0296025{col 44}{space 1}   -0.02{col 53}{space 3}0.987{col 61}{space 4}-.0585118{col 74}{space 3}  .057528
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2} .0266196{col 33}{space 2} .0266956{col 44}{space 1}    1.00{col 53}{space 3}0.319{col 61}{space 4}-.0257027{col 74}{space 3}  .078942
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}  .002278{col 33}{space 2} .2376801{col 44}{space 1}    0.01{col 53}{space 3}0.992{col 61}{space 4}-.4635664{col 74}{space 3} .4681224
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .0650516{col 33}{space 2} .0274024{col 44}{space 1}    2.37{col 53}{space 3}0.018{col 61}{space 4} .0113439{col 74}{space 3} .1187594
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .0957535{col 33}{space 2} .1191843{col 44}{space 1}    0.80{col 53}{space 3}0.422{col 61}{space 4}-.1378435{col 74}{space 3} .3293505
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2} .0140989{col 33}{space 2} .1085794{col 44}{space 1}    0.13{col 53}{space 3}0.897{col 61}{space 4}-.1987128{col 74}{space 3} .2269105
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0080603{col 33}{space 2} .0962279{col 44}{space 1}   -0.08{col 53}{space 3}0.933{col 61}{space 4}-.1966635{col 74}{space 3} .1805428
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2} .0028264{col 33}{space 2} .1036112{col 44}{space 1}    0.03{col 53}{space 3}0.978{col 61}{space 4}-.2002478{col 74}{space 3} .2059006
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .0686544{col 33}{space 2} .1121825{col 44}{space 1}    0.61{col 53}{space 3}0.541{col 61}{space 4}-.1512193{col 74}{space 3} .2885282
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .0490666{col 33}{space 2} .0924154{col 44}{space 1}    0.53{col 53}{space 3}0.595{col 61}{space 4}-.1320643{col 74}{space 3} .2301975
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2} .0703729{col 33}{space 2} .1034469{col 44}{space 1}    0.68{col 53}{space 3}0.496{col 61}{space 4}-.1323792{col 74}{space 3}  .273125
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2} .0416346{col 33}{space 2} .0904349{col 44}{space 1}    0.46{col 53}{space 3}0.645{col 61}{space 4}-.1356145{col 74}{space 3} .2188838
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .2380746{col 33}{space 2} .1148767{col 44}{space 1}    2.07{col 53}{space 3}0.038{col 61}{space 4} .0129205{col 74}{space 3} .4632287
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.0718188{col 33}{space 2}  .091506{col 44}{space 1}   -0.78{col 53}{space 3}0.433{col 61}{space 4}-.2511673{col 74}{space 3} .1075298
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .0383141{col 33}{space 2} .0898468{col 44}{space 1}    0.43{col 53}{space 3}0.670{col 61}{space 4}-.1377824{col 74}{space 3} .2144107
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2} .0087991{col 33}{space 2} .0886924{col 44}{space 1}    0.10{col 53}{space 3}0.921{col 61}{space 4}-.1650348{col 74}{space 3}  .182633
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2}-.0238003{col 33}{space 2} .1017486{col 44}{space 1}   -0.23{col 53}{space 3}0.815{col 61}{space 4}-.2232239{col 74}{space 3} .1756232
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} .0472206{col 33}{space 2}  .105727{col 44}{space 1}    0.45{col 53}{space 3}0.655{col 61}{space 4}-.1600005{col 74}{space 3} .2544418
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.0593882{col 33}{space 2} .0988478{col 44}{space 1}   -0.60{col 53}{space 3}0.548{col 61}{space 4}-.2531264{col 74}{space 3} .1343499
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} .0203717{col 33}{space 2}  .092453{col 44}{space 1}    0.22{col 53}{space 3}0.826{col 61}{space 4}-.1608328{col 74}{space 3} .2015762
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .0241843{col 33}{space 2} .1072095{col 44}{space 1}    0.23{col 53}{space 3}0.822{col 61}{space 4}-.1859425{col 74}{space 3} .2343111
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .1113269{col 33}{space 2} .0916784{col 44}{space 1}    1.21{col 53}{space 3}0.225{col 61}{space 4}-.0683595{col 74}{space 3} .2910132
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2} .0399045{col 33}{space 2} .0915991{col 44}{space 1}    0.44{col 53}{space 3}0.663{col 61}{space 4}-.1396264{col 74}{space 3} .2194355
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} .2645195{col 33}{space 2} .1051548{col 44}{space 1}    2.52{col 53}{space 3}0.012{col 61}{space 4} .0584199{col 74}{space 3} .4706191
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2}-.0381721{col 33}{space 2} .1075348{col 44}{space 1}   -0.35{col 53}{space 3}0.723{col 61}{space 4}-.2489364{col 74}{space 3} .1725923
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.0724371{col 33}{space 2} .1016663{col 44}{space 1}   -0.71{col 53}{space 3}0.476{col 61}{space 4}-.2716995{col 74}{space 3} .1268252
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2} .0835003{col 33}{space 2} .0944039{col 44}{space 1}    0.88{col 53}{space 3}0.376{col 61}{space 4}-.1015279{col 74}{space 3} .2685285
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} .2407518{col 33}{space 2} .0961508{col 44}{space 1}    2.50{col 53}{space 3}0.012{col 61}{space 4} .0522997{col 74}{space 3} .4292039
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2} .0779141{col 33}{space 2} .0928186{col 44}{space 1}    0.84{col 53}{space 3}0.401{col 61}{space 4} -.104007{col 74}{space 3} .2598351
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2} .1445669{col 33}{space 2} .1086781{col 44}{space 1}    1.33{col 53}{space 3}0.183{col 61}{space 4}-.0684382{col 74}{space 3}  .357572
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .0695952{col 33}{space 2} .0967256{col 44}{space 1}    0.72{col 53}{space 3}0.472{col 61}{space 4}-.1199834{col 74}{space 3} .2591738
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2} .0506695{col 33}{space 2} .1000751{col 44}{space 1}    0.51{col 53}{space 3}0.613{col 61}{space 4}-.1454741{col 74}{space 3} .2468131
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2} .0821755{col 33}{space 2} .1142912{col 44}{space 1}    0.72{col 53}{space 3}0.472{col 61}{space 4}-.1418311{col 74}{space 3} .3061822
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2} .1112386{col 33}{space 2} .0954783{col 44}{space 1}    1.17{col 53}{space 3}0.244{col 61}{space 4}-.0758954{col 74}{space 3} .2983725
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} .0177723{col 33}{space 2} .1459427{col 44}{space 1}    0.12{col 53}{space 3}0.903{col 61}{space 4}-.2682702{col 74}{space 3} .3038147
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2}  .048892{col 33}{space 2} .0977195{col 44}{space 1}    0.50{col 53}{space 3}0.617{col 61}{space 4}-.1426347{col 74}{space 3} .2404186
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .0709738{col 33}{space 2} .0942892{col 44}{space 1}    0.75{col 53}{space 3}0.452{col 61}{space 4}-.1138297{col 74}{space 3} .2557772
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2} .0706013{col 33}{space 2} .0935734{col 44}{space 1}    0.75{col 53}{space 3}0.451{col 61}{space 4}-.1127992{col 74}{space 3} .2540019
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2} .0709695{col 33}{space 2} .0917885{col 44}{space 1}    0.77{col 53}{space 3}0.439{col 61}{space 4}-.1089327{col 74}{space 3} .2508717
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .0797522{col 33}{space 2} .0962145{col 44}{space 1}    0.83{col 53}{space 3}0.407{col 61}{space 4}-.1088247{col 74}{space 3} .2683291
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.0001096{col 33}{space 2} .0896576{col 44}{space 1}   -0.00{col 53}{space 3}0.999{col 61}{space 4}-.1758353{col 74}{space 3} .1756162
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2}  .065987{col 33}{space 2} .1061682{col 44}{space 1}    0.62{col 53}{space 3}0.534{col 61}{space 4}-.1420987{col 74}{space 3} .2740728
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}-.1808823{col 33}{space 2} .2484861{col 44}{space 1}   -0.73{col 53}{space 3}0.467{col 61}{space 4}-.6679062{col 74}{space 3} .3061415
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2} .0313016{col 33}{space 2}  .094631{col 44}{space 1}    0.33{col 53}{space 3}0.741{col 61}{space 4}-.1541719{col 74}{space 3}  .216775
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .0528395{col 33}{space 2} .0954894{col 44}{space 1}    0.55{col 53}{space 3}0.580{col 61}{space 4}-.1343162{col 74}{space 3} .2399952
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2} .0902708{col 33}{space 2} .0975245{col 44}{space 1}    0.93{col 53}{space 3}0.355{col 61}{space 4}-.1008737{col 74}{space 3} .2814152
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .1622703{col 33}{space 2} .0933897{col 44}{space 1}    1.74{col 53}{space 3}0.082{col 61}{space 4}-.0207701{col 74}{space 3} .3453106
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-.1164686{col 33}{space 2} .1034951{col 44}{space 1}   -1.13{col 53}{space 3}0.260{col 61}{space 4}-.3193154{col 74}{space 3} .0863781
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2} .0132157{col 33}{space 2} .0999269{col 44}{space 1}    0.13{col 53}{space 3}0.895{col 61}{space 4}-.1826375{col 74}{space 3} .2090689
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2}  .003791{col 33}{space 2} .0913499{col 44}{space 1}    0.04{col 53}{space 3}0.967{col 61}{space 4}-.1752515{col 74}{space 3} .1828335
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .0603141{col 33}{space 2} .0975911{col 44}{space 1}    0.62{col 53}{space 3}0.537{col 61}{space 4} -.130961{col 74}{space 3} .2515891
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .0704825{col 33}{space 2} .1163111{col 44}{space 1}    0.61{col 53}{space 3}0.545{col 61}{space 4} -.157483{col 74}{space 3} .2984481
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2}  .027281{col 33}{space 2} .0989155{col 44}{space 1}    0.28{col 53}{space 3}0.783{col 61}{space 4}-.1665899{col 74}{space 3} .2211519
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .0974092{col 33}{space 2} .1061189{col 44}{space 1}    0.92{col 53}{space 3}0.359{col 61}{space 4}  -.11058{col 74}{space 3} .3053984
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2} .0343107{col 33}{space 2} .0964724{col 44}{space 1}    0.36{col 53}{space 3}0.722{col 61}{space 4}-.1547717{col 74}{space 3} .2233931
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2} .0539389{col 33}{space 2} .0964983{col 44}{space 1}    0.56{col 53}{space 3}0.576{col 61}{space 4}-.1351942{col 74}{space 3}  .243072
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2} .1984611{col 33}{space 2} .0939214{col 44}{space 1}    2.11{col 53}{space 3}0.035{col 61}{space 4} .0143785{col 74}{space 3} .3825438
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2}-.7223845{col 33}{space 2}  .092622{col 44}{space 1}   -7.80{col 53}{space 3}0.000{col 61}{space 4}-.9039202{col 74}{space 3}-.5408488
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. margins, dydx(itt2 itt3) post
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}    76,939
{txt}Model VCE{col 14}: {res}Robust

{txt}{p2colset 1 14 16 2}{...}
{p2col:Expression}:{space 1}{res:Pr(paidcount), predict()}{p_end}
{p2colreset}{...}
{txt}{p2colset 1 14 16 2}{...}
{p2col:dy/dx w.r.t.}:{space 1}{res:itt2 itt3}{p_end}
{p2colreset}{...}

{res}{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}{col 26} Delta-method
{col 14}{c |}      dy/dx{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2} .0144928{col 26}{space 2} .0051673{col 37}{space 1}    2.80{col 46}{space 3}0.005{col 54}{space 4} .0043651{col 67}{space 3} .0246205
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2} .0111139{col 26}{space 2}  .005216{col 37}{space 1}    2.13{col 46}{space 3}0.033{col 54}{space 4} .0008907{col 67}{space 3} .0213371
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. *Intensive Margin*
. reg lnpayment `controls' if t>=15 & t<=22 & maxpayment<4050, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    30,883
                                                {txt}F(98, 8759)       =  {res}    16.13
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1537
                                                {txt}Root MSE          =    {res} .93732

{txt}{ralign 85:(Std. Err. adjusted for {res:8,760} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          lnpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2}-.0221975{col 33}{space 2} .0209074{col 44}{space 1}   -1.06{col 53}{space 3}0.288{col 61}{space 4} -.063181{col 74}{space 3}  .018786
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2}-.0314581{col 33}{space 2} .0212742{col 44}{space 1}   -1.48{col 53}{space 3}0.139{col 61}{space 4}-.0731606{col 74}{space 3} .0102444
{txt}{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2} .0739745{col 33}{space 2} .0180268{col 44}{space 1}    4.10{col 53}{space 3}0.000{col 61}{space 4} .0386378{col 74}{space 3} .1093113
{txt}{space 16}17  {c |}{col 21}{res}{space 2}-.0329702{col 33}{space 2}   .01868{col 44}{space 1}   -1.76{col 53}{space 3}0.078{col 61}{space 4}-.0695874{col 74}{space 3}  .003647
{txt}{space 16}18  {c |}{col 21}{res}{space 2} .1239198{col 33}{space 2} .0172587{col 44}{space 1}    7.18{col 53}{space 3}0.000{col 61}{space 4} .0900886{col 74}{space 3}  .157751
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-.0118412{col 33}{space 2} .0193689{col 44}{space 1}   -0.61{col 53}{space 3}0.541{col 61}{space 4}-.0498088{col 74}{space 3} .0261265
{txt}{space 16}20  {c |}{col 21}{res}{space 2}-.0307256{col 33}{space 2} .0196112{col 44}{space 1}   -1.57{col 53}{space 3}0.117{col 61}{space 4}-.0691682{col 74}{space 3}  .007717
{txt}{space 16}21  {c |}{col 21}{res}{space 2}  .019421{col 33}{space 2} .0187488{col 44}{space 1}    1.04{col 53}{space 3}0.300{col 61}{space 4} -.017331{col 74}{space 3} .0561731
{txt}{space 16}22  {c |}{col 21}{res}{space 2} .1202349{col 33}{space 2} .0178629{col 44}{space 1}    6.73{col 53}{space 3}0.000{col 61}{space 4} .0852195{col 74}{space 3} .1552503
{txt}{space 19} {c |}
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0008774{col 33}{space 2} .0000797{col 44}{space 1}   11.00{col 53}{space 3}0.000{col 61}{space 4} .0007211{col 74}{space 3} .0010337
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2} .0298112{col 33}{space 2} .0193164{col 44}{space 1}    1.54{col 53}{space 3}0.123{col 61}{space 4}-.0080535{col 74}{space 3} .0676758
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0044364{col 33}{space 2} .0002492{col 44}{space 1}   17.80{col 53}{space 3}0.000{col 61}{space 4} .0039479{col 74}{space 3} .0049248
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0002462{col 33}{space 2} .0000211{col 44}{space 1}   11.69{col 53}{space 3}0.000{col 61}{space 4} .0002049{col 74}{space 3} .0002875
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}-.0270111{col 33}{space 2} .0033249{col 44}{space 1}   -8.12{col 53}{space 3}0.000{col 61}{space 4}-.0335288{col 74}{space 3}-.0204935
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.0472797{col 33}{space 2} .0421546{col 44}{space 1}   -1.12{col 53}{space 3}0.262{col 61}{space 4}-.1299126{col 74}{space 3} .0353532
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .0258436{col 33}{space 2} .0431904{col 44}{space 1}    0.60{col 53}{space 3}0.550{col 61}{space 4}-.0588198{col 74}{space 3}  .110507
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}  .056638{col 33}{space 2} .0478692{col 44}{space 1}    1.18{col 53}{space 3}0.237{col 61}{space 4}-.0371969{col 74}{space 3} .1504729
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0097548{col 33}{space 2} .0437936{col 44}{space 1}   -0.22{col 53}{space 3}0.824{col 61}{space 4}-.0956006{col 74}{space 3}  .076091
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.0053225{col 33}{space 2} .0423363{col 44}{space 1}   -0.13{col 53}{space 3}0.900{col 61}{space 4}-.0883115{col 74}{space 3} .0776665
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0343216{col 33}{space 2} .0466638{col 44}{space 1}   -0.74{col 53}{space 3}0.462{col 61}{space 4}-.1257937{col 74}{space 3} .0571505
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2} .0222936{col 33}{space 2} .0507275{col 44}{space 1}    0.44{col 53}{space 3}0.660{col 61}{space 4}-.0771442{col 74}{space 3} .1217314
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2} .0140287{col 33}{space 2} .0447199{col 44}{space 1}    0.31{col 53}{space 3}0.754{col 61}{space 4}-.0736328{col 74}{space 3} .1016901
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0648845{col 33}{space 2} .0450498{col 44}{space 1}   -1.44{col 53}{space 3}0.150{col 61}{space 4}-.1531927{col 74}{space 3} .0234236
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0730487{col 33}{space 2} .0454795{col 44}{space 1}   -1.61{col 53}{space 3}0.108{col 61}{space 4}-.1621992{col 74}{space 3} .0161018
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.0694548{col 33}{space 2}  .061789{col 44}{space 1}   -1.12{col 53}{space 3}0.261{col 61}{space 4}-.1905757{col 74}{space 3} .0516661
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2} -.036528{col 33}{space 2}  .039798{col 44}{space 1}   -0.92{col 53}{space 3}0.359{col 61}{space 4}-.1145414{col 74}{space 3} .0414854
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2} .0017775{col 33}{space 2} .0491263{col 44}{space 1}    0.04{col 53}{space 3}0.971{col 61}{space 4}-.0945215{col 74}{space 3} .0980765
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.0063686{col 33}{space 2} .0449594{col 44}{space 1}   -0.14{col 53}{space 3}0.887{col 61}{space 4}-.0944997{col 74}{space 3} .0817624
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2} .0058479{col 33}{space 2} .0546622{col 44}{space 1}    0.11{col 53}{space 3}0.915{col 61}{space 4}-.1013029{col 74}{space 3} .1129987
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2}-.0273546{col 33}{space 2} .1924658{col 44}{space 1}   -0.14{col 53}{space 3}0.887{col 61}{space 4}-.4046328{col 74}{space 3} .3499235
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2} .0298019{col 33}{space 2}  .197254{col 44}{space 1}    0.15{col 53}{space 3}0.880{col 61}{space 4}-.3568622{col 74}{space 3}  .416466
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .0466975{col 33}{space 2} .0372807{col 44}{space 1}    1.25{col 53}{space 3}0.210{col 61}{space 4}-.0263815{col 74}{space 3} .1197764
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .0302402{col 33}{space 2} .0767844{col 44}{space 1}    0.39{col 53}{space 3}0.694{col 61}{space 4}-.1202754{col 74}{space 3} .1807557
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .0285072{col 33}{space 2} .0686541{col 44}{space 1}    0.42{col 53}{space 3}0.678{col 61}{space 4} -.106071{col 74}{space 3} .1630854
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2}-.0262188{col 33}{space 2} .0466124{col 44}{space 1}   -0.56{col 53}{space 3}0.574{col 61}{space 4}-.1175901{col 74}{space 3} .0651525
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2} .0271232{col 33}{space 2} .0508659{col 44}{space 1}    0.53{col 53}{space 3}0.594{col 61}{space 4}-.0725859{col 74}{space 3} .1268323
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2}-.0051542{col 33}{space 2} .0447292{col 44}{space 1}   -0.12{col 53}{space 3}0.908{col 61}{space 4}-.0928339{col 74}{space 3} .0825256
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2} .0605369{col 33}{space 2}  .042591{col 44}{space 1}    1.42{col 53}{space 3}0.155{col 61}{space 4}-.0229515{col 74}{space 3} .1440252
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2} .0056873{col 33}{space 2} .0378031{col 44}{space 1}    0.15{col 53}{space 3}0.880{col 61}{space 4}-.0684156{col 74}{space 3} .0797902
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .0915201{col 33}{space 2} .0392199{col 44}{space 1}    2.33{col 53}{space 3}0.020{col 61}{space 4} .0146399{col 74}{space 3} .1684004
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-.0113261{col 33}{space 2}  .040598{col 44}{space 1}   -0.28{col 53}{space 3}0.780{col 61}{space 4}-.0909077{col 74}{space 3} .0682554
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .0023192{col 33}{space 2} .0419594{col 44}{space 1}    0.06{col 53}{space 3}0.956{col 61}{space 4} -.079931{col 74}{space 3} .0845694
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2}-.0086747{col 33}{space 2} .0386029{col 44}{space 1}   -0.22{col 53}{space 3}0.822{col 61}{space 4}-.0843454{col 74}{space 3} .0669959
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-.0387127{col 33}{space 2} .3384607{col 44}{space 1}   -0.11{col 53}{space 3}0.909{col 61}{space 4}-.7021751{col 74}{space 3} .6247497
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2}-.0114333{col 33}{space 2} .0385813{col 44}{space 1}   -0.30{col 53}{space 3}0.767{col 61}{space 4}-.0870617{col 74}{space 3} .0641951
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2}-.3277198{col 33}{space 2} .1652303{col 44}{space 1}   -1.98{col 53}{space 3}0.047{col 61}{space 4}  -.65161{col 74}{space 3}-.0038296
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-.2930555{col 33}{space 2} .1619637{col 44}{space 1}   -1.81{col 53}{space 3}0.070{col 61}{space 4}-.6105424{col 74}{space 3} .0244314
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0372331{col 33}{space 2} .1384783{col 44}{space 1}   -0.27{col 53}{space 3}0.788{col 61}{space 4} -.308683{col 74}{space 3} .2342169
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-.3425847{col 33}{space 2} .1514812{col 44}{space 1}   -2.26{col 53}{space 3}0.024{col 61}{space 4}-.6395235{col 74}{space 3} -.045646
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2}-.3620024{col 33}{space 2} .1603426{col 44}{space 1}   -2.26{col 53}{space 3}0.024{col 61}{space 4}-.6763116{col 74}{space 3}-.0476932
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2} .0108637{col 33}{space 2} .1356856{col 44}{space 1}    0.08{col 53}{space 3}0.936{col 61}{space 4}-.2551118{col 74}{space 3} .2768393
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.2984706{col 33}{space 2}  .142121{col 44}{space 1}   -2.10{col 53}{space 3}0.036{col 61}{space 4}-.5770611{col 74}{space 3}-.0198801
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.2713144{col 33}{space 2} .1318229{col 44}{space 1}   -2.06{col 53}{space 3}0.040{col 61}{space 4}-.5297182{col 74}{space 3}-.0129105
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2} .0354093{col 33}{space 2} .1563706{col 44}{space 1}    0.23{col 53}{space 3}0.821{col 61}{space 4}-.2711137{col 74}{space 3} .3419324
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.1740719{col 33}{space 2} .1319886{col 44}{space 1}   -1.32{col 53}{space 3}0.187{col 61}{space 4}-.4328006{col 74}{space 3} .0846569
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-.2895059{col 33}{space 2} .1298836{col 44}{space 1}   -2.23{col 53}{space 3}0.026{col 61}{space 4}-.5441083{col 74}{space 3}-.0349036
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.2025328{col 33}{space 2} .1269665{col 44}{space 1}   -1.60{col 53}{space 3}0.111{col 61}{space 4} -.451417{col 74}{space 3} .0463515
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2}-.0140779{col 33}{space 2} .1469328{col 44}{space 1}   -0.10{col 53}{space 3}0.924{col 61}{space 4}-.3021007{col 74}{space 3} .2739448
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-.3667859{col 33}{space 2} .1497842{col 44}{space 1}   -2.45{col 53}{space 3}0.014{col 61}{space 4}-.6603981{col 74}{space 3}-.0731738
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.1887935{col 33}{space 2} .1454984{col 44}{space 1}   -1.30{col 53}{space 3}0.194{col 61}{space 4}-.4740045{col 74}{space 3} .0964175
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2}-.0566747{col 33}{space 2} .1333873{col 44}{space 1}   -0.42{col 53}{space 3}0.671{col 61}{space 4}-.3181452{col 74}{space 3} .2047958
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2}-.0871015{col 33}{space 2} .1512095{col 44}{space 1}   -0.58{col 53}{space 3}0.565{col 61}{space 4}-.3835077{col 74}{space 3} .2093046
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}-.4777331{col 33}{space 2} .1333158{col 44}{space 1}   -3.58{col 53}{space 3}0.000{col 61}{space 4}-.7390634{col 74}{space 3}-.2164029
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-.2950118{col 33}{space 2}   .13254{col 44}{space 1}   -2.23{col 53}{space 3}0.026{col 61}{space 4}-.5548213{col 74}{space 3}-.0352024
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-.4081358{col 33}{space 2} .1386958{col 44}{space 1}   -2.94{col 53}{space 3}0.003{col 61}{space 4} -.680012{col 74}{space 3}-.1362595
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .1963289{col 33}{space 2} .1544628{col 44}{space 1}    1.27{col 53}{space 3}0.204{col 61}{space 4}-.1064544{col 74}{space 3} .4991122
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.2347799{col 33}{space 2} .1474765{col 44}{space 1}   -1.59{col 53}{space 3}0.111{col 61}{space 4}-.5238684{col 74}{space 3} .0543087
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-.2971915{col 33}{space 2}  .135697{col 44}{space 1}   -2.19{col 53}{space 3}0.029{col 61}{space 4}-.5631895{col 74}{space 3}-.0311936
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2}-.3763941{col 33}{space 2}  .136303{col 44}{space 1}   -2.76{col 53}{space 3}0.006{col 61}{space 4}-.6435799{col 74}{space 3}-.1092082
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2}-.1636234{col 33}{space 2} .1359654{col 44}{space 1}   -1.20{col 53}{space 3}0.229{col 61}{space 4}-.4301476{col 74}{space 3} .1029008
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}-.0556241{col 33}{space 2}  .153854{col 44}{space 1}   -0.36{col 53}{space 3}0.718{col 61}{space 4} -.357214{col 74}{space 3} .2459659
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2}-.0197679{col 33}{space 2} .1409044{col 44}{space 1}   -0.14{col 53}{space 3}0.888{col 61}{space 4}-.2959736{col 74}{space 3} .2564379
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-.3181082{col 33}{space 2} .1494103{col 44}{space 1}   -2.13{col 53}{space 3}0.033{col 61}{space 4}-.6109875{col 74}{space 3}-.0252289
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-.4137421{col 33}{space 2}  .167152{col 44}{space 1}   -2.48{col 53}{space 3}0.013{col 61}{space 4}-.7413992{col 74}{space 3} -.086085
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-.2667641{col 33}{space 2} .1374416{col 44}{space 1}   -1.94{col 53}{space 3}0.052{col 61}{space 4} -.536182{col 74}{space 3} .0026538
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}-.1684634{col 33}{space 2} .1606965{col 44}{space 1}   -1.05{col 53}{space 3}0.295{col 61}{space 4}-.4834663{col 74}{space 3} .1465394
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} -.288849{col 33}{space 2} .1377981{col 44}{space 1}   -2.10{col 53}{space 3}0.036{col 61}{space 4}-.5589657{col 74}{space 3}-.0187323
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}-.1036712{col 33}{space 2}  .135499{col 44}{space 1}   -0.77{col 53}{space 3}0.444{col 61}{space 4}-.3692811{col 74}{space 3} .1619387
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2}-.1281328{col 33}{space 2} .1382536{col 44}{space 1}   -0.93{col 53}{space 3}0.354{col 61}{space 4}-.3991424{col 74}{space 3} .1428768
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.2114431{col 33}{space 2} .1332718{col 44}{space 1}   -1.59{col 53}{space 3}0.113{col 61}{space 4} -.472687{col 74}{space 3} .0498009
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2}-.0904362{col 33}{space 2} .1432071{col 44}{space 1}   -0.63{col 53}{space 3}0.528{col 61}{space 4}-.3711557{col 74}{space 3} .1902833
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.1349447{col 33}{space 2} .1312085{col 44}{space 1}   -1.03{col 53}{space 3}0.304{col 61}{space 4}-.3921442{col 74}{space 3} .1222548
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2}-.0052149{col 33}{space 2} .1427278{col 44}{space 1}   -0.04{col 53}{space 3}0.971{col 61}{space 4}-.2849948{col 74}{space 3}  .274565
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2} .2982611{col 33}{space 2} .2930554{col 44}{space 1}    1.02{col 53}{space 3}0.309{col 61}{space 4}-.2761964{col 74}{space 3} .8727185
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-.2690403{col 33}{space 2} .1361978{col 44}{space 1}   -1.98{col 53}{space 3}0.048{col 61}{space 4}-.5360199{col 74}{space 3}-.0020606
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}-.0912112{col 33}{space 2} .1392247{col 44}{space 1}   -0.66{col 53}{space 3}0.512{col 61}{space 4}-.3641243{col 74}{space 3} .1817019
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-.3891003{col 33}{space 2} .1445947{col 44}{space 1}   -2.69{col 53}{space 3}0.007{col 61}{space 4}-.6725399{col 74}{space 3}-.1056607
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} -.117332{col 33}{space 2} .1349592{col 44}{space 1}   -0.87{col 53}{space 3}0.385{col 61}{space 4}-.3818838{col 74}{space 3} .1472198
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-.0525368{col 33}{space 2} .1431992{col 44}{space 1}   -0.37{col 53}{space 3}0.714{col 61}{space 4} -.333241{col 74}{space 3} .2281673
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-.1636137{col 33}{space 2} .1471038{col 44}{space 1}   -1.11{col 53}{space 3}0.266{col 61}{space 4}-.4519717{col 74}{space 3} .1247442
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2}-.0358004{col 33}{space 2}  .131704{col 44}{space 1}   -0.27{col 53}{space 3}0.786{col 61}{space 4}-.2939711{col 74}{space 3} .2223703
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .0740696{col 33}{space 2} .1419682{col 44}{space 1}    0.52{col 53}{space 3}0.602{col 61}{space 4}-.2042215{col 74}{space 3} .3523606
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .0446367{col 33}{space 2} .1750606{col 44}{space 1}    0.25{col 53}{space 3}0.799{col 61}{space 4}-.2985232{col 74}{space 3} .3877966
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2}-.0332168{col 33}{space 2}  .141286{col 44}{space 1}   -0.24{col 53}{space 3}0.814{col 61}{space 4}-.3101706{col 74}{space 3} .2437371
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}-.2197008{col 33}{space 2}  .153302{col 44}{space 1}   -1.43{col 53}{space 3}0.152{col 61}{space 4}-.5202086{col 74}{space 3} .0808071
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}-.0187243{col 33}{space 2} .1392089{col 44}{space 1}   -0.13{col 53}{space 3}0.893{col 61}{space 4}-.2916064{col 74}{space 3} .2541578
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.3129905{col 33}{space 2} .1344785{col 44}{space 1}   -2.33{col 53}{space 3}0.020{col 61}{space 4}-.5765999{col 74}{space 3}-.0493811
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}-.1750881{col 33}{space 2} .1314593{col 44}{space 1}   -1.33{col 53}{space 3}0.183{col 61}{space 4}-.4327792{col 74}{space 3}  .082603
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2} 4.983878{col 33}{space 2} .1326291{col 44}{space 1}   37.58{col 53}{space 3}0.000{col 61}{space 4} 4.723894{col 74}{space 3} 5.243862
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. *TWO PM*
. preserve 
{txt}
{com}. keep if t>=15 & t<=22 & maxpayment<4050
{txt}(247,660 observations deleted)

{com}. capture program drop Ey_boot
{txt}
{com}. program define Ey_boot, eclass
{txt}  1{com}. twopm payment itt2 itt3 i.t premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* , firstpart(probit) secondpart(regress, log) vce(cluster customer)
{txt}  2{com}. margins, dydx(itt2 itt3) predict(duan) nose post
{txt}  3{com}. end
{txt}
{com}. bootstrap _b, seed(3125) reps(1000): Ey_boot
{txt}(running Ey_boot on estimation sample)

Bootstrap replications ({res}1000{txt})
{hline 4}{c +}{hline 3} 1 {hline 3}{c +}{hline 3} 2 {hline 3}{c +}{hline 3} 3 {hline 3}{c +}{hline 3} 4 {hline 3}{c +}{hline 3} 5 
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..................................................  1000
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}    76,939
{txt}{col 49}Replications{col 67}= {res}     1,000

{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}   Observed{col 26}   Bootstrap{col 54}         Norm{col 67}al-based
{col 14}{c |}      Coef.{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 8}itt2 {c |}{col 14}{res}{space 2} 1.823991{col 26}{space 2} 2.057512{col 37}{space 1}    0.89{col 46}{space 3}0.375{col 54}{space 4}-2.208659{col 67}{space 3} 5.856641
{txt}{space 8}itt3 {c |}{col 14}{res}{space 2}-.2563124{col 26}{space 2} 2.002598{col 37}{space 1}   -0.13{col 46}{space 3}0.898{col 54}{space 4}-4.181332{col 67}{space 3} 3.668707
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. restore
{txt}
{com}. 
. reg asinhpayment `controls' if t>=15 & t<=22 & maxpayment<4050, vce(cluster customer)
{p 0 6 2}{txt}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}    76,939
                                                {txt}F(98, 9665)       =  {res}    76.59
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1061
                                                {txt}Root MSE          =    {res} 2.7609

{txt}{ralign 85:(Std. Err. adjusted for {res:9,666} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}       asinhpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 15}itt2 {c |}{col 21}{res}{space 2} .0750131{col 33}{space 2} .0291597{col 44}{space 1}    2.57{col 53}{space 3}0.010{col 61}{space 4} .0178539{col 74}{space 3} .1321723
{txt}{space 15}itt3 {c |}{col 21}{res}{space 2} .0553549{col 33}{space 2} .0295713{col 44}{space 1}    1.87{col 53}{space 3}0.061{col 61}{space 4} -.002611{col 74}{space 3} .1133208
{txt}{space 19} {c |}
{space 18}t {c |}
{space 16}16  {c |}{col 21}{res}{space 2}-.3147193{col 33}{space 2} .0418949{col 44}{space 1}   -7.51{col 53}{space 3}0.000{col 61}{space 4}-.3968422{col 74}{space 3}-.2325965
{txt}{space 16}17  {c |}{col 21}{res}{space 2}   -.3811{col 33}{space 2} .0380492{col 44}{space 1}  -10.02{col 53}{space 3}0.000{col 61}{space 4}-.4556844{col 74}{space 3}-.3065155
{txt}{space 16}18  {c |}{col 21}{res}{space 2} -.084063{col 33}{space 2} .0384597{col 44}{space 1}   -2.19{col 53}{space 3}0.029{col 61}{space 4} -.159452{col 74}{space 3} -.008674
{txt}{space 16}19  {c |}{col 21}{res}{space 2}-.7028969{col 33}{space 2} .0377347{col 44}{space 1}  -18.63{col 53}{space 3}0.000{col 61}{space 4}-.7768649{col 74}{space 3}-.6289289
{txt}{space 16}20  {c |}{col 21}{res}{space 2} -.719079{col 33}{space 2} .0381171{col 44}{space 1}  -18.87{col 53}{space 3}0.000{col 61}{space 4}-.7937964{col 74}{space 3}-.6443615
{txt}{space 16}21  {c |}{col 21}{res}{space 2}-.3796769{col 33}{space 2}  .038235{col 44}{space 1}   -9.93{col 53}{space 3}0.000{col 61}{space 4}-.4546256{col 74}{space 3}-.3047282
{txt}{space 16}22  {c |}{col 21}{res}{space 2} .0652637{col 33}{space 2} .0390911{col 44}{space 1}    1.67{col 53}{space 3}0.095{col 61}{space 4}-.0113631{col 74}{space 3} .1418905
{txt}{space 19} {c |}
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0009253{col 33}{space 2} .0000803{col 44}{space 1}   11.52{col 53}{space 3}0.000{col 61}{space 4} .0007679{col 74}{space 3} .0010828
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.2291945{col 33}{space 2} .0261757{col 44}{space 1}   -8.76{col 53}{space 3}0.000{col 61}{space 4}-.2805043{col 74}{space 3}-.1778847
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0008055{col 33}{space 2} .0003427{col 44}{space 1}    2.35{col 53}{space 3}0.019{col 61}{space 4} .0001337{col 74}{space 3} .0014773
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2}-.0000802{col 33}{space 2} .0000156{col 44}{space 1}   -5.13{col 53}{space 3}0.000{col 61}{space 4}-.0001109{col 74}{space 3}-.0000495
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .3296404{col 33}{space 2}  .004653{col 44}{space 1}   70.84{col 53}{space 3}0.000{col 61}{space 4} .3205196{col 74}{space 3} .3387613
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.1337286{col 33}{space 2} .0587258{col 44}{space 1}   -2.28{col 53}{space 3}0.023{col 61}{space 4}-.2488434{col 74}{space 3}-.0186138
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2} .0006919{col 33}{space 2} .0609384{col 44}{space 1}    0.01{col 53}{space 3}0.991{col 61}{space 4}-.1187602{col 74}{space 3}  .120144
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.1280756{col 33}{space 2} .0670913{col 44}{space 1}   -1.91{col 53}{space 3}0.056{col 61}{space 4}-.2595886{col 74}{space 3} .0034374
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0533367{col 33}{space 2} .0621022{col 44}{space 1}   -0.86{col 53}{space 3}0.390{col 61}{space 4}-.1750701{col 74}{space 3} .0683967
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.0060528{col 33}{space 2} .0609645{col 44}{space 1}   -0.10{col 53}{space 3}0.921{col 61}{space 4} -.125556{col 74}{space 3} .1134504
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0348537{col 33}{space 2} .0672981{col 44}{space 1}   -0.52{col 53}{space 3}0.605{col 61}{space 4} -.166772{col 74}{space 3} .0970646
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.1069432{col 33}{space 2} .0693858{col 44}{space 1}   -1.54{col 53}{space 3}0.123{col 61}{space 4}-.2429538{col 74}{space 3} .0290674
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{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .0980782{col 33}{space 2}  .206237{col 44}{space 1}    0.48{col 53}{space 3}0.634{col 61}{space 4}-.3061894{col 74}{space 3} .5023459
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}  .043109{col 33}{space 2} .1923219{col 44}{space 1}    0.22{col 53}{space 3}0.823{col 61}{space 4}-.3338823{col 74}{space 3} .4201002
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{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2} 1.334119{col 33}{space 2} .1814888{col 44}{space 1}    7.35{col 53}{space 3}0.000{col 61}{space 4} .9783632{col 74}{space 3} 1.689875
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. sum  paidcount lnpayment payment asinhpayment if t>=15 & t<=22 & itt==0 & maxpayment<4050 // comparison values

{txt}    Variable {c |}        Obs        Mean    Std. Dev.       Min        Max
{hline 13}{c +}{hline 57}
{space 3}paidcount {c |}{res}     25,690    .3928766    .4883993          0          1
{txt}{space 3}lnpayment {c |}{res}     10,093    5.130524    1.025954  -1.049822   8.294049
{txt}{space 5}payment {c |}{res}     25,690    111.7382    265.3131          0       4000
{txt}asinhpayment {c |}{res}     25,690    2.288041    2.916054          0   8.987197
{txt}
{com}. 
. log close
      {txt}name:  {res}<unnamed>
       {txt}log:  {res}/Users/sebastiantonke/Desktop/Replication Package/Replication files experiment/output_logs/table A1.smcl
  {txt}log type:  {res}smcl
 {txt}closed on:  {res}12 Jul 2023, 02:11:49
{txt}{.-}
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